Financing Options - Ultimate Furniture & Mattresses

Buy Now, Pay Over Time

At Ultimate Furniture & Mattresses, we believe everyone deserves a beautifully furnished home. That's why we offer multiple financing options to help you get the furniture you need today and pay over time.

Get approved in minutes with flexible payment plans that work with your budget. No matter your credit situation, we have options available for you.

Apply In Store

Financing Partners

Multiple options to fit every budget and credit situation

Snap Finance

Lease-to-own financing with flexible payment schedules. Great for all credit types. Apply online or in-store.

All Credit Welcome

Acima

No credit needed leasing. Get what you need now and make easy payments over time. Early buyout options available.

No Credit Needed

In-Store Layaway

Put your items on hold with a small deposit. Make payments at your own pace and pick up when paid in full.

No Interest

How It Works

Get approved in 4 simple steps

Choose Your Furniture

Browse our showrooms and find the perfect pieces for your home

Apply for Financing

Quick application in-store. Just bring a valid ID and proof of income

Get Approved

Approval in minutes. Multiple options to fit your budget

Take It Home

Get your furniture delivered or pick it up the same day

Frequently Asked Questions

What do I need to apply for financing?

You'll need a valid government-issued ID, proof of income (pay stub or bank statement), and an active checking account. The application process takes just a few minutes.

Is there a minimum purchase amount?

Minimum purchase amounts vary by financing partner. Typically, financing is available on purchases of $300 or more. Ask in-store for specific details.

What if I have bad credit?

We work with financing partners that serve all credit types. Snap Finance and Acima both offer options for customers with less than perfect credit. Come in and we'll find a solution that works for you.

Can I pay off my balance early?

Yes! All of our financing partners offer early buyout options, often at a discounted rate. Paying early can save you money on fees and interest.

Can I combine financing with sales or discounts?

Absolutely! Our financing options can be combined with our everyday low wholesale prices and any current promotions. You get the best price AND convenient payments.

Easy Financing