Pay over time at Furniture One

Furniture One sells furniture and mattresses from St. Cloud, Florida. We confirmed Shop Pay Installments, Acima 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.

Pay later

Shop Pay Installments

Minimum purchase
$50 for Pay in 4
APR
0% to 36%
Credit check
No impact to apply

Checked Nov 11, 2026 We saw Shop Pay Installments at the store’s checkout

Store offer, minimum and plan lengths are from Furniture One’s website. APR and credit check are Shop Pay Installments’s general terms.

All Shop Pay Installments stores and terms

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 One’s website. Cost and credit check are Acima’s general terms.

All Acima 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 Furniture One’s website. Cost and credit check are American First Finance’s general terms.

All American First Finance stores and terms

What a plan could cost

Example: Modern Farmhouse - Cocktail Table at $687.00 (price on Nov 11, 2026), paid monthly over 12 months with Shop Pay Installments financing, where the store offers it.

Shop Pay Installments Pay in 4: 4 payments of $171.75 every 2 weeks, with no interest if you pay on time.

APRMonthlyTotal paidInterest
0%$57.25$687.00$0.00
19.99%$63.64$763.64$76.64
36%$69.02$828.21$141.21

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 Furniture One

  1. Add what you want to your cart on furnitureonefl.com.
  2. At checkout or on the store’s financing page, choose Shop Pay Installments, Acima or American First Finance. Shop Pay Installments shows as Shop Pay: choose it, then pick installments.
  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 One financing

Does Furniture One offer financing?

Yes. We confirmed Shop Pay Installments, Acima and American First Finance at Furniture One on Nov 11, 2026. Options can change, so check at checkout before you buy.

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

Applying for Shop Pay Installments does not affect your credit. If you take a plan, your loan and payment history may be shared with credit bureaus.

Can I use Shop Pay Installments in a Furniture One store?

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

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