How it works

3 simple steps to get started

Apply now to check your approval amount, then select that option at checkout.

Apply first
1

Submit your free & quick application

Apply in minutes through an available provider. Review the provider disclosures before submitting.

2

Get your approval budget

After applying, review your approval amount, payment schedule, disclosures, and final terms directly with the provider.

3

Choose your plan & checkout

Shop with the provider you were approved through, select that same option at checkout, and watch for your order confirmation after the order is placed.

Available providers

Choose from Snap Finance or Progressive Leasing

Snap Finance may be available for customers who want a financing option for eligible furniture purchases.

  • 100-day cash payoff option advertised by Snap Finance
  • Payment options up to 18 months
  • All credit types may apply, but approval is not guaranteed
snapfinance.comApply first with SnapAccount and payment questions:877-557-3769

Progressive Leasing may be available as a lease-to-own option for eligible furniture purchases.

  • Flexible payment options, including biweekly or monthly schedules where available
  • 90-day purchase option may be available
  • Final terms, disclosures, and approval are provided by Progressive Leasing
progleasing.comApply first with ProgressiveAccount and payment questions:877-898-1970
Progressive Leasing disclosure

Ownership by rental/lease agreement with Progressive Leasing costs more than the retailer's cash price. Select items only. Cancel or purchase early at any time. Not available in MN, NJ, VT, WI, WY.

FAQ

Financing & leasing questions

How do furniture financing and lease-to-own options work?

You can apply through an available provider. If approved, shop within the approval amount, select the same provider at checkout, and review the provider agreement before completing your order.

Will applying hurt my credit score?

The provider controls its application process and disclosures. Review the provider application before submitting.

How much will my payments be?

Your exact payment depends on the approval terms, purchase amount, provider agreement, and selected payment schedule.

What is lease-to-own?

Lease-to-own is a provider agreement that lets eligible customers receive furniture now and make scheduled payments over time. Ownership terms, early purchase options, fees, and payment schedules are set by the provider agreement.

Can I apply before I am ready to check out?

Yes. You can apply first to understand your approval amount, then shop for furniture and use the same provider at checkout if that provider is active and your approval is still valid.

I am already approved. What should I do next?

Shop within your approved budget, add your items to cart, and select the same financing or lease-to-own provider at checkout. This helps us match the order to the approval before fulfillment review.

Are there early purchase or cash payoff options?

A provider may offer early purchase, cash payoff, or similar options depending on your agreement. Review the provider disclosures or contact the provider directly for the exact terms.

Why do early purchase options not always show right away?

Some provider account details may appear after the agreement is active or after the provider finishes processing the account. Contact the provider directly if you need help finding those details.

What credit types can apply?

Each provider sets its own application requirements and final decision rules, and approval is not guaranteed.

How do payments work after approval?

Your provider will show the payment schedule before you agree to the final terms. Payments may be weekly, biweekly, monthly, or another schedule depending on the provider and your agreement.

Who do I make payments to?

Payments are made directly to the provider. Shop Easy Furniture does not collect or manage provider payments.

Who do I contact about my account or payments?

Contact the provider directly for account access, payment questions, schedule changes, agreement terms, or updates to your application information.

What if I am denied?

You may choose another available payment method or apply with the other active provider, if available.

When will my order move forward after I am approved?

After you complete checkout with the approved provider, Shop Easy Furniture reviews the order and waits for the required provider confirmation before fulfillment begins.

Can I change my payment schedule after approval?

Payment schedule changes are handled by the provider. Once your account is active, contact the provider to ask what schedule options are available.

Can I return furniture if I change my mind?

Returns and cancellations must follow the Shop Easy Furniture Returns & Cancellations Policy. Provider approval does not create a separate right to return furniture outside the store policy.

Can I stop making payments and give the item back?

Contact the provider directly. Shop Easy Furniture cannot pause, cancel, or modify provider agreements after delivery.

What if I cannot afford the payments anymore?

Contact your provider directly as soon as possible. The provider can explain any account options, hardship support, or schedule changes that may be available under your agreement.

Can I finance one item or a full room package?

You can use an available approval toward eligible furniture items in your cart as long as the purchase fits the provider approval amount, provider requirements, and checkout rules.

Questions before you apply?

Contact Shop Easy Furniture at 586-233-3132 or shopeasyfurniture@gmail.com.