Financing Furniture, Rent to Own, Furniture Rental, No Credit Check, Bad Credit, Ashley Furniture Signature Design

Ohio Furniture Store Serving Greater Cincinnati / Signature Design by Ashley Furniture / Sofa Sale, Mattress Sale, Bed & Bedroom Sale

COLE FURNITURE & MATTRESSES

Mt. Orab, OH
Map & Info

937-444-4070

Mattresses	Sofas $299-$359	Traditional Sofas	Reclining Sofas	Sectional Sofas	Dining & Kitchen
Bedroom Sets	Contemporary Sofas	Leather Sofas	Reclining Sectionals	Accent Tables	Coupons
Youth Bedrooms	Contemporary Sofas 2	Leather Sectionals	Reclining Chairs	TV Furniture	Clearance Sale

Easy Easy Credit
No Credit Check!
or
Free Layaway
With Easy Terms!

Make Your Home Your Favorite Place In All The World!

Half Price Drapes

For shoppers beyond our area, we recommend Wayfair...
Sofas, Sectionals, Dining, Bedroom, Youth, Office, Entertainment, Accents,
Outdoor, Lighting, Rugs, and Everything Home

No Credit? Bad Credit? No Problem!

We have the right payment plan for your furniture selections.

NO CREDIT CHECK With Plans B or C. "90 DAYS SAME AS CASH" Option With Plan B.

EASY AS RENT TO OWN,
BUT CHEAPER!
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Our solution for no credit and bad credit is EASY CREDIT! Getting new furniture for your home is easy with Cole Furniture.

Have you been turned down for a loan by other companies, stores and lenders? Have you been turned down for a car loan?

At Cole Furniture
Foreclosure - Not A Problem
Repossession - Not A Problem
Short Time On Job - Not A Problem
No Credit History - Not A Problem
Divorce Complications - Not A Problem
Poor Payment History - Not A Problem
Poor Credit Rating - Not A Problem
Identity Theft - Not A Problem
Maxed Out Credit Cards - Not A Problem
Too Many Lines Of Credit - Not A Problem
High Debt To Income Ratio - Not A Problem
Labeled "High Risk" - Not A Problem
Home Value Underwater - Not A Problem
Business Failure - Not A Problem
Low Credit Score - Not A Problem
Even Bankruptcy - Not A Problem

Have you tried to rent bedroom furniture, rent living room furniture, rent kitchen furniture or rent a mattress?

When considering new home furnishings, some folks have visited one of the rent to own companies. Instead of leaving with furniture, they left with sticker shock. Our furniture store offers a cheaper alternative. Our Easy Financing, No Credit Check Program offers a chance to save more of your hard earned money. We can save you hundreds of dollars compared to what you may pay at rent to own stores!

How easy is it to get credit? We offer guaranteed approval for all people applying who bring the qualifying documents listed in the next column.

Stop in our store to apply. If your information is easily verified, the credit decision will be quick... very fast... almost instant. Your credit line is determined by your income and the cost of furniture selections will determine the term length. Your purchased furniture serves as collateral. Of course, there are no application fees. Our system also offers you a chance to repair your credit. Once you are approved and the contract is finalized, you can take your new furniture home right away or arrange for delivery.

Consider furniture leasing rather than furniture rental!

You may have seen our signs, now browse our online catalog to see the many options you have to make your home the home of your dreams. For those who do not have the qualifying income and checking account for our furniture leasing program, we also offer what is perhaps the easiest layaway on earth for your furniture purchase. Your layaway can be as small, big, short, or long as you would like. We, also, naturally accept your cash, check, credit card and offer standard installment loans from our other lender. We offer both secured and unsecured financing, including interest free financing for up to 60 months. See more details below.

Which payment plan is right for you?
The answers to 3 simple questions will provide a guide.

1) Do you have good credit?
    YES: skip to PLAN A.      NO: go to the next question.
2) Have you worked at the same job (or in retirement) for at least 6 months and have you had a checking account for at least 3 months?
    YES: skip to PLAN B.      NO: go to the next question.
3) Have you worked at your job long enough to get your first pay stub
    and do you have a checking account (for any length of time) with
    printed checks?
    YES: skip to PLAN C.      NO: consider our LAYAWAY PLAN.

PLAN B

YOU ARE APPROVED!

IF YOU HAVE HAD YOUR JOB
6 MONTHS & QUALIFYING CHECKING ACCOUNT 3 MONTHS.

NO CREDIT CHECK
"90 DAYS SAME AS CASH"
Credit Limits Of Up To $3000
Up To 23 Months To Pay
Limits and terms vary by income qualifications. See account agreement in our store for complete details. This financing offer is limited to purchases at regular in-store prices, but CAN be combined with our coupons.

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Qualifications for Plan B:
1) Minimum monthly income of $900 from the same employer for the last six months.
2) Minimum monthly deposits of $500 into your qualifying checking account. (A qualifying checking account for this plan is an account that is at least 3 months old with no bounced checks or negative balances in the last 30 days.)

Documents to bring for
Plan B if you are employed:
1) Your last full checking account bank statement
2) Your last pay stub with year-to-date information
3) A voided check
4) A current state ID
5) W-2 Tax Form from the previous year is also required when applying during the months of January to June. This document is not required if applying during the second half of the year (July to December).

Documents to bring for
Plan B if you are self-employed:
1) Your last three full checking account bank statements
2) Last year's complete tax return
3) A voided check
4) A current state ID

Documents to bring for
Plan B if you are retired or disabled:
1) Your last full checking account bank statement
2) Your government issued Acceptance Letter
3) A voided check
4) A current state ID
.
See account agreement in our store for details. This plan is not available with online pricing.
.
All payment plans & credit plans are subject to change at any time, without notice or obligation.

FREE LAYAWAY WITH EASY TERMS
1.	$1 minimum deposit
2.	$1 minimum monthly payment
3.	Notify us 6 weeks before you expect to pay the layaway balance.
If you change your mind on your choice of furniture, we will simply apply your deposits to the balance of your updated selection. We just might have the easiest layaway plan available! .

PLAN C

APPROVAL WITH JUST A CHECKING ACCOUNT... Plan C is available for those without a job and for those who have had their job for less than 6 months.

Bring your State ID, latest bank statement, latest pay stub, and check book. A qualifying checking account for this plan is a verifiably active account in good standing with printed checks. Multiple written checks submitted at the time of sale will be used to pay the balance. The amount of the payments vary by the amount of the sale and by the term length of the plan. The cash down payment will be one third of the total invoice, plus all taxes, and delivery charge, if any. This plan is available with purchases at regular in-store pricing with a credit limit of up to $1000.

See account agreement in our store for complete details. This financing offer is limited to purchases at regular in-store prices. All other offers, prices, and coupons are void with this plan.
.

Make Your Home Your Favorite Place In All The World, Starting At Just $50 Per Month!
You can finance your new furniture interest-free with extended terms
& No Down Payment required for qualified buyers!

Financing PLAN A

6 OPTIONS: 6, 12, 24, 36, 48 & 60!

Financing with No Interest if paid in full within 60 months!
Interest will be charged to your account from the purchase date if the purchase balance is not paid in full within the promotional period or if you make a late payment.* This offer is only available at regular in-store pricing to qualified buyers with purchases above $3000, but CAN be combined with our coupon offers. See store for all details.

Financing with No Interest if paid in full within 48 months! Interest will be charged to your account from the purchase date if the purchase balance is not paid in full within the promotional period or if you make a late payment.* This offer is only available at regular in-store pricing to qualified buyers with purchases above $2400, but CAN be combined with our coupon offers. See store for all details.

Financing with No Interest if paid in full within 36 months! Interest will be charged to your account from the purchase date if the purchase balance is not paid in full within the promotional period or if you make a late payment.* This offer is only available at regular in-store pricing to qualified buyers with purchases above $1800, but CAN be combined with our coupon offers. See store for all details.

Financing with No Interest if paid in full within 24 months! Interest will be charged to your account from the purchase date if the purchase balance is not paid in full within the promotional period or if you make a late payment.* This offer is only available at regular in-store pricing to qualified buyers with purchases above $1200, but CAN be combined with our coupon offers. See store for all details.

Financing with No Interest if paid in full within 12 months! Interest will be charged to your account from the purchase date if the purchase balance is not paid in full within the promotional period or if you make a late payment.* This offer is only available at regular in-store pricing to qualified buyers with purchases above $600, but CAN be combined with our coupon offers. See store for all details.

*The Cole Furniture credit card is issued by Wells Fargo Financial National Bank. Special terms apply to purchases charged with approved credit. The minimum monthly payment will be the amount that will pay for the purchase in full in equal payments during the promotional period. Interest will be charged to your account from the purchase date at the regular APR if the purchase balance is not paid in full within the promotional period or if you make a late payment. For newly opened accounts, the regular APR is 27.99. The APR may vary. The APR is given as of 9/28/2011. If you are charged interest in any billing cycle, the minimum interest charge will be $1.00.Offer expires 12/28/2011. See account agreement in our store for complete details. These programs cannot be combined with other offers other than the coupon offers. These programs are not available with online pricing. (There is a credit check with these programs. These programs are completely separate from the alternate "No Credit Check Financing" program.)

Financing with No Interest if paid in full within 6 months! Interest will be charged to your account from the purchase date if the purchase balance is not paid in full within the promotional period or if you make a late payment.* This offer is available to qualified buyers with purchases above $300, and CAN be combined with ALL other offers, even our amazing online special prices! See store for all details. *The Cole Furniture credit card is issued by Wells Fargo Financial National Bank. Special terms apply to purchases charged with approved credit. The minimum monthly payment will be the amount that will pay for the purchase in full in equal payments during the promotional period. Interest will be charged to your account from the purchase date at the regular APR if the purchase balance is not paid in full within the promotional period or if you make a late payment. For newly opened accounts, the regular APR is 27.99. The APR may vary. The APR is given as of 9/28/2011. If you are charged interest in any billing cycle, the minimum interest charge will be $1.00.Offer expires 12/28/2011. See account agreement in our store for complete details. (There is a credit check with this program. This program is completely separate from the alternate "No Credit Check Financing" program.)

The Unbelievable Deal: Our Coupon Savings, Combined with 60-Month Interest-Free Financing!

Black: One of Our Most Popular Collections
Black Sofas	Black Sectionals	Black Recliners	Black Bedroom Sets
Black TV Consoles	Black Desks	Black Dining Sets	Black Accent Tables
We are often asked about furniture in a black finish, a black fabric, or a black leather. Therefore, by popular demand, we feature Black and "Almost Black." Please visit our store or view AshleyFurniture.com for more options, all available at Cole Furniture. Black Leather Sofas, Black Faux Leather Sofas, Black Bonded Leather Sofas, Black Vinyl Sofas, Black Leatherette Sofas

Spelling errors: finace, finacing, funiture