Pay over time at Empire Furniture Outlet

Empire Furniture Outlet sells living room, bedroom and dining furniture and mattresses online and in store. We confirmed Koalafi 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

Koalafi

Cost
More than cash price
Credit check
Alternative bureaus

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

Store offer, minimum and plan lengths are from Empire Furniture Outlet’s website. Cost and credit check are Koalafi’s general terms.

All Koalafi 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 Empire Furniture Outlet’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: Furniture of America Pinetop FM7171BL-C Chest at $599.00 (price on Nov 11, 2026).

Leasing with Koalafi costs more than the $599.00 cash price over the full term. Buying early, usually 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 Empire Furniture Outlet

  1. Add what you want to your cart on empirefurnitureoutlet.com.
  2. At checkout or on the store’s financing page, choose Koalafi 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 Empire Furniture Outlet financing

Does Empire Furniture Outlet offer financing?

Yes. We confirmed Koalafi and American First Finance at Empire Furniture Outlet on Nov 11, 2026. Options can change, so check at checkout before you buy.

Will checking my rate at Empire Furniture Outlet affect my credit score?

Koalafi uses a soft inquiry to prequalify and a hard inquiry when you sign, with alternative credit bureaus. Payments are reported to TransUnion.

Can I use Koalafi in an Empire Furniture Outlet store?

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

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