We make it easy

We realize not all family budgets are identical and so we make it easy on our customers.  We offer No Credit Needed Financing Options.

You may qualify if you have…

  • 3 months of consistent income
  • A checking account that is at least 90 days old or more
  • Monthly income of $1,000 or more
  • No excessive overdrafts recorded

90-day pay off option

If you can’t pay the entire purchase amount upfront, No Problem we got you covered.  Our Finance partners offer a 90-day pay off option that works like this:  Pay only $50 down payment and they break up the rest of the payments over a 90 day period for you.

No credit financing furniture sales at Harmony Furniture Mattress

Harmony Furniture Mattress is now affiliated with Acima to help you make easy payments(s) on furniture, and mattress(es).

Own without the fear of repo

Looking to rent furniture? If you have been looking for a plan like this, this is a good place to start.

Get Started

Click here to apply today! 

Merchant Preferred Financing

Didn’t qualify above? Click here to apply with Merchant Preferred Financing for flexible finance terms.





  • A MINIMUM 10% DOWN PAYMENT (or $50 whichever is GREATER) is required to secure layaway.
  • Layaway must be paid in full no more than 180 days (or 6 months) from date of initial down payment.
  • Regular payments (at least every 30 days) are required to maintain your layaway.
  • If you fail to make timely layaway payments or pay the balance due in full by the due date, your layaway may be cancelled. A 20% restocking fee will be applied to any deposits previously made.  Any remaining deposits will be applied to an in-store credit.  No cash refunds.
  • Only regular in-stock merchandise is available for layaway.