Financing Options

Bailey's Furniture offers three financing options: a credit card with Synchrony, or Lease-To-Own options with Zo Financial or Progressive Leasing.  Click the tabs below to find the best financing option for you!

  • Why should I apply for a Synchrony NAHFA Credit Card?

    This is a dedicated credit line to use again and again at Bailey's Furniture.

    Features promotional financing with convenient monthly payments that can be done online or by mail. 

    Apply for a Synchrony Credit Card between 12/01/2021 and 12/31/2021 and make a purchase exceeding $1,999 to receive a $100 Visa Gift Card!

                

  • Zo Financial–No Credit Needed–Lease-to-Own

    Apply online and receive an instant decision!  This application does not impact your credit score and you have no obligation to purchase. Pick out your favorite items in the store and take them home today for an initial payment of only $49! Convenient regular payments will be automatically debited from your checking account.

    You must be 18 years or older, have a valid Social Security Number or ITIN, routing and account number for an open and active checking account, and a debit or credit card.

    This advertised service is a rental–or lease-purchase agreement. The 90-day purchase option includes an initial payment over the cash price. The early buy-out provision cost is 65% of the remaining lease balance. Zo financial obtains information from credit bureaus. Not all applicants are approved. See lease for details.

  • Progressive Leasing–No Credit Needed–Lease-to-Own

    Apply for our no-credit-needed† ‚Äčoption online and receive an instant decision! Pick out whatever you want in the store and take it home today for an initial payment of only $49!†† Progressive Leasing will set up with a 12-month lease term, with early purchase options†††. Convenient regular payments will be automatically debited from your checking account.

    You must be 18 years or older, have a valid Social Security Number or ITIN, routing and account number for an open and active checking account, and a debit or credit card. Fill out the quick application with no obligation to buy.

    Choose your location to apply:

    †No Credit Needed: Progressive Leasing obtains information from credit bureaus. Not all applicants are approved.
    ††The initial payment (plus tax) is charged at lease signing. Remaining lease payments will be determined upon item selection.
    †††Early Purchase Options: Standard agreement offers 12 months to ownership. Early purchase options cost more than the retailer’s cash price (except 3-month option in CA). To purchase early call 877-898-1970.
     
    The advertised service is lease-to-own or a rental- or lease- purchase agreement provided by Prog Leasing, LLC, or its affiliates. Acquiring ownership by leasing costs more than the retailer’s cash price. Leasing available on select items at participating locations only. Not available in MN, NJ, VT, WI, WY.

 

 

What's the difference?

 

Synchrony: A credit card with no interest for 12 months, or up to 60 months special financing.  Click here to learn more.

Zo Financial: Lease-to-own for only $49 with no credit needed!  Applying will not impact your credit score and there is no obligation to purchase. Early purchase options available. 
Zo Financial has the Highest Approval Guarantee, meaning they will match and beat other offers by $250.

Progressive Leasing: No credit needed, lease-to-own within 12 months for only $49.  Early purchase options available, flexible payments over time.