Financing and Layaway

Megafurniture offers a number of ways for our clients to pay for their purchases. We of course accept: Credit card (AMEX, Visa, Mastercard, Discover), Cash, Personal Check (at our home store), Financing, Layaway

If you don’t have the cash available to make your purchase, no problem, we have lots of programs to assist you!

Financing Option 1 - Synchrony

Synchrony credit card gives you the flexibility to pay for your in-store purchases over time while you enjoy your new furniture now.

As a synchrony card-holder, you'll enjoy these benefits:

  • Convenient monthly payments
  • A revolving line of credit for your future furniture needs
  • Special promotional offers where available, including no-interest and reduced rate interest plans
  • No annual fee and no prepayment penalties
  • An easy-to-use online bill payment option

Leasing Option 2 - 90 Day Payment Option - No Credit Check

This option allows you to put a initial payment down and finance a purchase between $200 0 $2500 with no credit needed! Buy any item in a package or not!

To Apply:

  1. Click the button below for our online application
  2. Call us at (623) 247-0601 or come into one of our stores and create your order
  3. Get your furniture and complete your leasing paperwork!


  • Spend between $200 - $2500 based on approval
  • 90 day payment option
  • Online application initial payment due when contract is signed

To Qualify:

  • Minimum $1000/month gross income from any verifiable source of employment, self-employment, SSI., etc.
  • Employed for the past 6 months at the same job - no temp service.
  • An active checking account in good standing.
  • At least $500 deposited into your checking account each month.
  • Positive daily balances on your checking account.
  • No NSF (non sufficient funds) or return fees.
  • Less than 6 over draft charges.
  • At least 5 transactions made of money going in or out of the checking account each month.
  • Self employed! No problem. Provide 3 months bank statement to verify income.
  • Social Security recipient? No problem! Just provide a copy of your benefit letter.