Best Buy Furniture has served the Philadelphia and South Jersey region for more than 30 years. Our furniture financing programs are built for the way real families shop — whether you are outfitting a new apartment in Center City Philadelphia, replacing a worn sectional in Cherry Hill, or upgrading a bedroom in Pennsauken. We work with six leading financing partners so almost every customer can find a plan that fits their credit situation and monthly budget.

For shoppers with established credit, the Synchrony Bank Best Buy Furniture credit card offers 0% APR financing for 12 months on qualifying purchases of $599 or more. You take home a full living room set, bedroom suite, or mattress today and split the cost into equal monthly payments with no interest if the balance is paid in full within the promotional period.

For shoppers without traditional credit, our four lease-to-own partners — Acima, Snap Finance, Progressive Leasing, and Koalafi — approve up to $5,000 with no credit check required. Acima customers can start a lease for just $1. All four partners offer a 90-day same-as-cash early-purchase option that lets you own your items for approximately the cash price.

Apply online from anywhere in PA or NJ, or visit any of our three showrooms in Philadelphia and Pennsauken. Most decisions are returned in under 60 seconds.

If you have bad credit, no credit history, or you are rebuilding your score after a setback, traditional store credit cards are not always an option. Lease-to-own furniture financing — sometimes called rent-to-own — works differently. Instead of a loan, you sign a lease agreement that converts to ownership when you exercise the early-purchase option or complete the full term.

The typical flow at Best Buy Furniture:

• Apply online or in-store. Most decisions return in under 60 seconds.
• Choose your furniture from our catalog of 100,000+ items.
• Make a small initial payment (as low as $1 with Acima).
• Make weekly, bi-weekly, or monthly lease payments on a schedule that matches your paycheck cycle.
• Exercise the 90-day early-purchase option to own your items for approximately retail price — or continue paying through the lease term until ownership transfers.

Important: if you keep the lease open past the 90-day window, total cost of ownership will exceed retail price. This is the trade-off for skipping the credit check. Most BBF customers who choose lease-to-own exercise the 90-day option to keep costs near retail.

The fastest decision rule: if you have credit and can pay off your balance within 12 months, the Synchrony 0% APR plan saves you the most money. There is no interest, no penalty, and your monthly payment is simply the purchase amount divided by 12. Use our payment calculator above to see what your monthly payment would be on any purchase amount.

If you do not have credit, you have a low credit score, or you have recently moved and your credit history has not caught up, lease-to-own is designed for you. There is no credit check, the application is income-based, and you take your furniture home today. The 90-day early-purchase option keeps total cost close to retail.

Affirm sits in between. It is a credit-based plan but with a soft credit pull only — no impact to your credit score for pre-qualification. Affirm rates range from 0% to 36% APR depending on your eligibility, so you will see your real monthly payment at checkout before you commit. Affirm works well for shoppers who want flexibility on plan length (3, 6, or 12 months) and prefer not to open a new credit card.

Still unsure? Try multiple applications — most BBF customers get approved by at least one partner. Start with the monthly payment calculator to see numbers under all three plans.

You can finance any of our 100,000+ items. Common categories:

• Living room furniture — sectionals, sofas, loveseats, recliners, accent chairs, coffee tables, and TV stands.
• Bedroom furniture — complete bedroom sets, beds, dressers, nightstands, and chests.
• Mattresses — Nectar, Casper, DreamCloud, GhostBed, and Restonic across all sizes and firmnesses.
• Dining furniture — tables, chairs, benches, buffets, and bar stools.
• Outdoor furniture — patio sets, sectionals, fire pits, and accessories.
• Office desks, bookshelves, and ergonomic seating.
• Home decor, area rugs, lamps, and accent pieces.

Lease-to-own programs cap at $5,000 per approval — enough to outfit an entire room. Synchrony and Affirm credit limits are profile-based and can go higher. If your purchase exceeds $5,000, our sales team can help you combine programs (for example, Synchrony for the sofa, Acima for the bedroom set).

Best Buy Furniture offers free local delivery on most orders to ZIP codes throughout Philadelphia and South Jersey, including:

• Philadelphia, PA (all neighborhoods — Center City, Northeast, South Philly, West Philly, Northwest)
• Pennsauken, Cherry Hill, Camden, Voorhees, Marlton, Mount Laurel, and surrounding Camden County NJ
• Burlington County NJ — Maple Shade, Cinnaminson, Moorestown, Willingboro
• Gloucester County NJ — Deptford, West Deptford, Washington Township
• Delaware County and Montgomery County PA suburbs

Delivery dates are confirmed at checkout. For larger items like sectionals and bedroom sets, we offer white-glove delivery with assembly. Same-week delivery is often available depending on inventory and your ZIP code.

Outside our local delivery area? We also ship nationwide via freight carriers — ask a sales rep for a freight quote.

Every order at Best Buy Furniture is backed by our 30+ years in the Philadelphia and South Jersey furniture market. We have built our reputation on three things: deep inventory (100,000+ pieces, most ready to ship), real financing options (six partners, not just one), and white-glove local delivery.

Questions about which financing plan fits your situation? Our team is available in any of our three showrooms or by phone:

• Philadelphia, PA — (215) 516-5313
• Pennsauken Marlton Pike, NJ — (856) 663-5558
• Pennsauken S Crescent Blvd, NJ — (856) 663-2333

Combine financing with our active promo code BESTBUY5 for an additional 5% off your order at checkout — works alongside all financing programs.

Need to talk to someone first? Contact our team or stop by — no appointment needed.