Special Financing Options and Plans
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Financing Offers

3 Ways to Pay
Along the Way

100% financing is our goal, with:
Financing Hero Image

Credit Options: Minimize Your PaymentsLowest Monthly Payments

Find out if you prequalify. It’s free and won’t affect your credit score to check.

6 or 12 Months
Special Financing

  • No minimum purchase required
  • Combinable with storewide offers
  • Purchase online and in stores

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36 Months
Special Financing††

Pay $1 a Month for the First 3 Months

  • Pay $1 for the first 3 months then pay 33 higher equal monthly payments
  • $999 minimum purchase required
  • Not combinable with storewide offer
  • Purchase online and in stores

48 Months
Special Financing††

  • $999 minimum purchase required
  • Purchase online and in stores
  • Not combinable with storewide offer

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Mattress Financing Image - Little girl jumping on the bed.

60 Months Special
Financing†† on Entire Order

  • $1499 minimum bedding purchase required
  • Requires a mattress, mattress accessory, or adjustable base purchase
  • Purchase online and in stores
  • Not combinable with storewide offer

Installment Options: No Ongoing Commitment

SetPay Financing Image

0% APR

A simple payment solution—SetPay is a convenient installment loan, giving you the option to pay over time through equal monthly payments. It’s perfect for small or large purchases. 

  • Not combinable with storewide offer
  • Equal monthly payments (up to one year)*
  • No interest accrued*
  • No ongoing credit commitment
  • Obligation ends after payments are paid in full
Apply for SetPay at Checkout

Lease-To-Own Option: Shop Without Credit

SetPay Financing Image

Only Pay $1

To start a lease agreement with 120 days same as cash payment option. Available in store only. $298 minimum purchase with down payment as low as $1. See store for full details.

Savings Option: Earn 5% In Cash Rewards

Accrue Financing Image

Savings, Rewarded.

Choose from select products, start saving up—and earn 5% in cash rewards toward your purchase. It’s like getting rewarded for saving (no, really!). Buy when you’ve reached your goal.

  • Combinable with storewide offer
  • Earn 5% cash rewards toward your purchase
  • Gradually save up over time
  • Invite family and friends to contribute
  • No credit, debt or any fees

More Financing Details

60 Months No Interest Financing

60 months no interest on purchases with Bedding items of $1499 or more with your Designer Looks, Value Plus or Signature Plus credit card made between
5/10/22 - 6/6/22
. 60 Equal Monthly Payments required. Not combinable with other storewide offers or Doorbusters.

No interest will be charged and equal monthly payments are required on promo purchase until it is paid in full. The payments equal the initial total promo purchase amount divided by the number of months in promo period, rounded up to the next whole dollar. These payments may be higher than the payments that would be required if the purchase was a non-promotional purchase. Any monthly payments shown in connection with this promotional offer exclude taxes and delivery and should allow you to pay off the promotional purchase within the promo period if (1) you make your payments by the due date each month and (2) this is the only balance on your account during the promo period. If you have other balances on your account, this monthly payment will be added to the minimum payment applicable to those balances. Regular account terms apply to non-promotional purchases. For new accounts: Purchase APR is 29.99%; Minimum Interest Charge is $2. Existing cardholders: See your credit card agreement terms. Subject to credit approval. Offer applies only to single-receipt qualifying purchases. We reserve the right to discontinue or alter the terms of this offer any time.

48 Months No Interest Financing

48 months no interest on purchases with your Designer Looks, Value Plus or Signature Plus credit card made between
5/10/22 - 6/6/22
. 48 Equal Monthly Payments required. Not combinable with other storewide offers or Doorbusters.

No interest will be charged and equal monthly payments are required on promo purchase until it is paid in full. The payments equal the initial total promo purchase amount divided by the number of months in promo period, rounded up to the next whole dollar. These payments may be higher than the payments that would be required if the purchase was a non-promotional purchase. Any monthly payments shown in connection with this promotional offer exclude taxes and delivery and should allow you to pay off the promotional purchase within the promo period if (1) you make your payments by the due date each month and (2) this is the only balance on your account during the promo period. If you have other balances on your account, this monthly payment will be added to the minimum payment applicable to those balances. Regular account terms apply to non-promotional purchases. For new accounts: Purchase APR is 29.99%; Minimum Interest Charge is $2. Existing cardholders: See your credit card agreement terms. Subject to credit approval. Offer applies only to single-receipt qualifying purchases. We reserve the right to discontinue or alter the terms of this offer any time.

36 Months No Interest Financing

36 months no interest on purchases with your Designer Looks, Value Plus or Signature Plus credit card made between
5/10/22 - 6/6/22
. 36 Equal Monthly Payments required. Not combinable with other storewide offers or Doorbusters.

No interest will be charged and equal monthly payments are required on promo purchase until it is paid in full. The payments equal the initial total promo purchase amount divided by the number of months in promo period, rounded up to the next whole dollar. These payments may be higher than the payments that would be required if the purchase was a non-promotional purchase. Any monthly payments shown in connection with this promotional offer exclude taxes and delivery and should allow you to pay off the promotional purchase within the promo period if (1) you make your payments by the due date each month and (2) this is the only balance on your account during the promo period. If you have other balances on your account, this monthly payment will be added to the minimum payment applicable to those balances. Regular account terms apply to non-promotional purchases. For new accounts: Purchase APR is 29.99%; Minimum Interest Charge is $2. Existing cardholders: See your credit card agreement terms. Subject to credit approval. Offer applies only to single-receipt qualifying purchases. We reserve the right to discontinue or alter the terms of this offer any time.

12 Months Special Financing

No Interest if paid in full within 12 Months on qualifying purchases with your Designer Looks, Value Plus or Signature Plus credit card. Interest will be charged to your account from the purchase date if the promotional balance is not paid in full within 12 months. Minimum Monthly Payments required. Combinable with other storewide offers and discounts with no minimum purchase required.

Any suggested equal monthly payment shown in connection with this promotional offer:

  • May be greater than the required minimum monthly payment that will be charged on your billing statement;
  • Equals the promotional purchase amount divided by the number of months in the promo period (excluding taxes and shipping charges) rounded to the next highest whole dollar, and
  • Would pay off the promotional purchase amount within the promo period, but only if there are no other balances on your account at any time during the promo period and you make your payments on time. In such event, your total payments will equal the amount of the promotional purchase amount.

No interest will be charged on the promo balance if you pay it off, in full, within the promo period. If you do not, interest will be charged on the promo balance from the purchase date. The required minimum monthly payments may or may not pay off the promo balance before the end of the promo period depending on purchase amount, promo length and payment allocation. Regular account terms apply to non-promo purchases and, after promo period ends, to the promo balance. For new accounts: Purchase APR is 29.99%; Minimum interest charge is $2. Existing cardholders: See your credit card agreement terms. Subject to credit approval. Offer applies only to single-receipt qualifying purchases. We reserve the right to discontinue or alter the terms of this offer any time.

6 Months Special Financing

No Interest if paid in full within 6 Months on qualifying purchases with your Designer Looks, Value Plus or Signature Plus credit card. Interest will be charged to your account from the purchase date if the promotional balance is not paid in full within 6 months. Minimum Monthly Payments required. Combinable with other storewide offers and discounts with no minimum purchase required.

Any suggested equal monthly payment shown in connection with this promotional offer:

  • May be greater than the required minimum monthly payment that will be charged on your billing statement;
  • Equals the promotional purchase amount divided by the number of months in the promo period (excluding taxes and shipping charges) rounded to the next highest whole dollar, and
  • Would pay off the promotional purchase amount within the promo period, but only if there are no other balances on your account at any time during the promo period and you make your payments on time. In such event, your total payments will equal the amount of the promotional purchase amount.

No interest will be charged on the promo balance if you pay it off, in full, within the promo period. If you do not, interest will be charged on the promo balance from the purchase date. The required minimum monthly payments may or may not pay off the promo balance before the end of the promo period depending on purchase amount, promo length and payment allocation. Regular account terms apply to non-promo purchases and, after promo period ends, to the promo balance. For new accounts: Purchase APR is 29.99%; Minimum interest charge is $2. Existing cardholders: See your credit card agreement terms. Subject to credit approval. Offer applies only to single-receipt qualifying purchases. We reserve the right to discontinue or alter the terms of this offer any time.



No ongoing commitment. Equal monthly payments.

We partner with Synchrony Bank to offer SetPay — a predictable monthly payment option for 0% APR. Select SetPay at checkout.
Here are some examples of what you could pay when you choose SetPay:

Example of monthly payments at 0% APR

Order Total3 Months6 Months12 Months
$75$25/monthn/an/a
$150$50/month$25/monthn/a
$300$100/month$50/month$25/month
$900$300/month$150/month$75/month
$1,200$400/month$200/month$100/month

*Actual monthly payment is based on the total value of all items in your cart, plus tax and shipping. Subject to credit approval. SetPay is an installment loan product provided by Synchrony Bank. Minimum amount financed of $75. Offer available online only (excludes online chat).


Limited Time Offer. No credit needed!

Start a lease agreement with 120 days same as cash payment option. $298 minimum purchase with initial payment as low as $1.


Select the merchandise you want. We’ll buy that item and lease it to you. You simply make affordable monthly payments — no long term obligation.

  1. You Pay As You Go. Just make low monthly payments that fit your budget.
  2. Build Your Credit. Every on-time payment helps create a positive credit history.
  3. Service Is Included at No Extra Charge. Enjoy your product with no worries.
  4. Pay in Person, by Phone or Online. Enjoy more convenient payment options.

You can shop with confidence knowing that no credit is needed and flexible payment plans are available, just pay as you go. Plus enjoy the flexibility of knowing you can own your furniture at any time with our early purchase options.

The advertised transaction is a rental-purchase agreement (rent-to-own agreement, consumer rental-purchase agreement or a lease/lease-purchase agreement, depending on your state) with AcceptanceNOW. Offer valid only at participating AcceptanceNOW locations from
5/10/22 - 6/6/22
. Offer only valid for products priced at $298 or more. Ownership is optional. You will not own the merchandise until the total amount necessary to acquire ownership is paid in full or you exercise your early purchase option. Offer will not reduce number of payments, total amount necessary to acquire ownership, or purchase option amount. “$1 to start” requires enrollment in Autopay. $99 first payment required if not enrolled in Autopay. Initial payment applies to time from agreement start date to first scheduled renewal payment, up to a maximum of 15 days. Tax, Processing Fee (if applicable), Loss-Damage Waiver, and Benefits Plus included, but some fees may be deferred to 1st renewal payment. Offer valid on new agreements only and cannot be combined with any other promotion. “120-days same as cash” refers to early purchase option established in the rental-purchase agreement. 120-day early purchase option not valid in all locations. Some restrictions may apply. See AcceptanceNOW associate for complete details. “No Credit Needed” does not mean or imply that no inquiry will be made of credit history or creditworthiness. We may check past transactional history, but no established FICO score or credit history is necessary. Lease agreement requires, at minimum, verification of residence, income, and personal references. “Flexible Ownership Options” refers to monthly lease and early purchase options, including 90-day and 120-day options.
Designer Looks credit card image

Manage My Plus Account

Securely manage and pay your bill through Synchrony. Access your plus account to view your balance, pay your bill online or update your information.

Contact Info

For information or questions about your existing financing account dial the toll free number on your statement or the back of your card.

Phone: 1-866-396-8254

Please have your account number ready

Don't have your credit card yet? Call the number on your monthly statement.

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