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Rooms To Go offers multiple financing paths for furniture purchases, including their Synchrony-backed store credit card, lease-to-own through Acima and Progressive Leasing, and BNPL via Affirm. Whether you have great credit or none, here are the options in 2026.
Quick Verdict
Best for: Shoppers wanting whole-room furniture packages with manageable payments
Skip if: Cash buyers (financing fees add 50-100%+ vs paying upfront)
Rooms To Go financing compared
| Option | Credit Required | Type |
| Rooms To Go Card (Synchrony) | Fair to good | Store credit card with promo deferred interest |
| Acima | None (income-based) | Lease-to-own |
| Progressive Leasing | None (income-based) | Lease-to-own |
| Affirm | Soft pull | BNPL installments |
Rooms To Go credit card
Through Synchrony Bank. Promotional financing of 12/24/36/60 months deferred-interest on qualifying purchases. APR around 29% if not paid in full during promo. Hard credit pull. Best for shoppers with 650+ credit who can pay off during the promo period.
Acima for Rooms To Go
Lease-to-own without a credit check. Income-based approval. 12-month lease term. Make weekly or monthly payments. 90-day early buyout skips most fees. Best for bad credit shoppers who need furniture immediately.
Progressive Leasing
Similar to Acima. No credit check, income-based approval. Approval typically up to $4,000-$5,000. 12-month standard lease term.
Affirm at checkout
Pay over 3, 6, or 12 months. Rates depend on credit (0-36% APR). Soft credit pull initially. Best path if you have decent credit (640+).
How financing actually costs
A $1,200 bedroom set:
Synchrony 12-mo deferred-interest, paid off: $1,200 (saves 0 dollars; same as cash).
Synchrony 12-mo, NOT paid off: $1,200 + back-applied interest at 29% from purchase date = roughly $1,500-$1,700 total.
Acima/Progressive 12-mo lease: Roughly $2,000-$2,400 total over the term.
Affirm 12-mo at 18%: Roughly $1,322 total.
Tips for approval
Have stable income documented. Use a real bank account. Apply for the right tier (Affirm if good credit, Acima/Progressive if bad credit). Do not apply to multiple at once (multiple hard pulls hurt credit).
Compliance note: Approval and rates depend on the lender and your individual credit profile. Subject to credit review. No guarantee of approval is implied.
FAQ
Can I finance Rooms To Go with no money down?
Sometimes — depends on the promotion and your credit profile. Acima and Progressive usually require an initial payment.
Does Rooms To Go offer 60-month financing?
Yes, on qualifying large purchases through the Rooms To Go credit card. Requires good credit.