Pay over time at BrandsMart USA

BrandsMart USA sells appliances, TVs, electronics, furniture and mattresses online and in Florida and Georgia stores. We confirmed Klarna, Katapult and Synchrony credit card here.

Ways to pay over time

Options and terms can change and depend on your credit. Confirm at checkout before you accept.

Pay later

Klarna

APR
0% to 35.99%
Credit check
Soft for Pay in 4

Checked Nov 10, 2026 We saw Klarna at the store’s checkout

Store offer, minimum and plan lengths are from BrandsMart USA’s website. APR and credit check are Klarna’s general terms.

All Klarna stores and terms

Lease-to-own

Katapult

Cost
More than cash price
Credit check
No hard inquiry

Checked Nov 10, 2026 We saw Katapult at the store’s checkout

Store offer, minimum and plan lengths are from BrandsMart USA’s website. Cost and credit check are Katapult’s general terms.

All Katapult stores and terms

Store credit card

Synchrony credit card

Name at checkout
BrandsMart USA Credit Card
APR
Promo offers, then the card's purchase APR (34.99% on new Synchrony HOME cards)
Credit check
Credit card application

Checked Nov 14, 2026 The store’s website says it offers Synchrony credit card

Store offer, minimum and plan lengths are from BrandsMart USA’s website. APR and credit check are Synchrony credit card’s general terms.

Synchrony financing: how it works

What a plan could cost

Example: Hornet Reclining Sofa & Loveseat - Beige at $799.99 (price on Nov 14, 2026), paid monthly over 12 months with Klarna financing, where the store offers it.

Klarna Pay in 4: 4 payments of $200.00 every 2 weeks, with no interest if you pay on time.

APRMonthlyTotal paidInterest
0%$66.67$799.99$0.00
19.99%$74.10$889.23$89.24
35.99%$80.36$964.38$164.39

For illustration only, before tax and shipping. Your APR depends on your credit and the plan. 0% APR is only possible if the store runs a 0% offer and you qualify.

How to pay over time at BrandsMart USA

  1. Add what you want to your cart on brandsmartusa.com.
  2. At checkout or on the store’s financing page, choose Klarna, Katapult or BrandsMart USA Credit Card.
  3. Each one runs its own check. The cards above show which use a soft check and which can affect your credit.
  4. Compare the plans and the total cost, then accept only if the total works for you.

Questions about BrandsMart USA financing

Does BrandsMart USA offer financing?

Yes. We confirmed Klarna, Katapult and Synchrony credit card at BrandsMart USA on Nov 14, 2026. Options can change, so check at checkout before you buy.

Will checking my rate at BrandsMart USA affect my credit score?

Klarna Pay in 4 uses a soft credit check, which does not affect your score. Monthly financing needs a credit check when you apply, and the loan may be reported to credit bureaus.

Can I use Klarna in a BrandsMart USA store?

We checked online shopping at BrandsMart USA only. If the store has physical locations, ask there whether financing is available.

More stores: Cameras & electronics

All camera & electronics financing stores

Meedsy is not a lender and does not make credit decisions. “Visit” links may be affiliate links, and we may earn a commission. That never changes which stores we list or what we say about them. Store names and logos belong to their owners. How we make money