Hassle Free Financing for Everyone!

Don't just dream of new furniture... buy it today and pay over time.  

We have options for great, not so great and no credit. You don't need excellent credit to finance at our store. Get prequalified now!


Please note that this is just a pre-qualification screening to determine if you fit one of our financing programs and is not a guarantee of approval. You must finish the process in one of our stores to see all the options available to you.  If you do not wish to apply for first tier or second tier financing, and you only wish to use no credit needed financing, please scroll down and click on the image for Acima no credit needed financing.  

Walls Furniture and Walls Mattress has finance and payment options to meet your shopping needs

Pre-qualify online before you even start shopping!  If you qualify, you will receive a code to bring into one of our 3 stores to finish the application process.

Walls Furniture and Walls Mattress Credit Card Option

A revolving line of credit with approved credit by Wells Fargo with the ability to make repeat purchases, special 0% financing terms and easy to use online account management.

Convenient Monthly Payment Options

A revolving line of credit with approved credit by Fortiva Retail Credit with options for people with less than stellar credit. 24 month repayment terms with deferred interest promotional periods up to 12 months. Manage your account and make payments online.

No Credit Needed

90-Day same as cash option/ lease to own plan with as little as $0 down and no credit needed.  Please click the image below to get approved immediately.  


Layaway Option

No credit needed and minimum monthly payment required. Must be paid in full after 120 days. 10% down payment is required at the time of purchase and a minimum of 10% payment of remaining balance total is due every 30 days. Canceled layaway's can be used as in store credit.


Walls Furniture and Walls Mattress Accepts the Synchrony Home Card.

Promotional Financing offers available to existing cardholders ranging from 6 months to 60 months with convenient monthly payments. Learn more by clicking HERE.