0% APR for 12 months.On qualifying purchases.

Best Buy Furniture has served the Philadelphia and South Jersey region for more than 30 years. Our financing programs are built for the way real families shop — whether you're 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 — most decisions are returned in under 60 seconds.

If you have bad credit, no credit history, or you're rebuilding your score after a setback, traditional store credit cards aren't 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.

• →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 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 the 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's no interest, no penalty, and your monthly payment is simply the purchase amount divided by 12. Use the payment calculator above to see what your monthly payment would be on any purchase amount.

If you don't have credit, have a low credit score, or recently moved and your credit history hasn't caught up, lease-to-own is designed for you. There's 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's a credit-based plan but with a soft credit pull only — no impact to your score for pre-qualification. Affirm rates range from 0% to 36% APR depending on your eligibility, so you'll 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.

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 — 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, home decor, area rugs, and accents.

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 (all neighborhoods), Pennsauken, Cherry Hill, Camden, Voorhees, Marlton, Mount Laurel and surrounding Camden County NJ; Burlington County (Maple Shade, Cinnaminson, Moorestown, Willingboro); Gloucester County (Deptford, West Deptford, Washington Township); and Delaware & 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, and same-week delivery is often available depending on inventory and your ZIP code. Outside our local area? We also ship nationwide via freight carriers — ask a sales rep for a quote.