Pay over time at El Capitan Furniture CA

El Capitan Furniture CA sells living room, bedroom and dining furniture and mattresses from its Bakersfield, CA showroom. We confirmed Kafene and American First Finance here.

Ways to pay over time

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

Lease-to-own

Kafene

Cost
More than cash price
Credit check
No score impact

Checked Nov 11, 2026 The store’s website says it offers Kafene

Store offer, minimum and plan lengths are from El Capitan Furniture CA’s website. Cost and credit check are Kafene’s general terms.

All Kafene stores and terms

Lease-to-own

American First Finance

Cost
Up to 2x cash price or more
Credit check
Soft and hard

Checked Nov 11, 2026 The store’s website says it offers American First Finance

Store offer, minimum and plan lengths are from El Capitan Furniture CA’s website. Cost and credit check are American First Finance’s general terms.

All American First Finance stores and terms

What leasing could cost

Example: Gesthaven Counter Height Dining Table and 4 Barstools (Set of 5) at $601.85 (price on Nov 11, 2026).

Leasing with Kafene costs more than the $601.85 cash price over the full lease. Paying off within 90 days costs the least.

Lease-to-own is not a loan. Your payments, fees and early purchase price are set in your lease agreement, so read it before you sign.

How to pay over time at El Capitan Furniture CA

  1. Add what you want to your cart on elcapitanfurniture.com.
  2. At checkout or on the store’s financing page, choose Kafene or American First Finance.
  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 El Capitan Furniture CA financing

Does El Capitan Furniture CA offer financing?

Yes. We confirmed Kafene and American First Finance at El Capitan Furniture CA on Nov 11, 2026. Options can change, so check at checkout before you buy.

Will checking my rate at El Capitan Furniture CA affect my credit score?

Kafene says applying won't affect your credit score.

Can I use Kafene in an El Capitan Furniture CA store?

We checked online shopping at El Capitan Furniture CA only. If the store has physical locations, ask there whether financing is available.

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