Pay over time at Furniture Fair

Furniture Fair sells furniture and mattresses from Cincinnati, Dayton and Louisville stores. We confirmed Acima 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.

Lease-to-own

Acima

Cost
About 2x cash price
Credit check
Soft pull

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

Store offer, minimum and plan lengths are from Furniture Fair’s website. Cost and credit check are Acima’s general terms.

All Acima stores and terms

Store credit card

Synchrony credit card

Name at checkout
Synchrony HOME 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 Furniture Fair’s website. APR and credit check are Synchrony credit card’s general terms.

Synchrony financing: how it works

What leasing could cost

Example: Light Gray Cotton Sheet Set at $159.99 (price on Nov 14, 2026).

Making every Acima payment costs about double the $159.99 cash price. Buying early, such as within 90 days, costs less.

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 Furniture Fair

  1. Add what you want to your cart on furniturefair.net.
  2. At checkout or on the store’s financing page, choose Acima or Synchrony HOME 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 Furniture Fair financing

Does Furniture Fair offer financing?

Yes. We confirmed Acima and Synchrony credit card at Furniture Fair on Nov 14, 2026. Options can change, so check at checkout before you buy.

Will checking my rate at Furniture Fair affect my credit score?

Acima uses a soft pull of your consumer report, so you don't need perfect credit. You do need a checking account and at least $750 a month in income.

Can I use Acima in a Furniture Fair store?

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

More stores: Furniture & mattresses

All furniture & mattress financing stores

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