Financing / Lease Purchase
We make it easy for you to take your product home. Whether you want to pay it up front or take it home and make payments. We strive to offer you the best programs at the lowest cost to own.
No Credit Needed Options Available*
We believe your credit score shouldn't limit your ability to create a home you love. That’s why Progressive Leasing offers flexible payment options with no credit history required for approval.
Legal Notice: Progressive Leasing obtains information from credit bureaus. Not all applicants are approved.
FLEXIBLE FINANCING & PAYMENT OPTIONS
At Decohub Home, we make it easy to bring home the furniture you love. We offer two distinct ways to pay: 0% APR Promotional Financing for qualifying cardholders and No Credit Needed Lease-to-Own options.
OPTION 1: 0% APR PROMOTIONAL FINANCING (UP TO 36 MONTHS)*
Enjoy 0% APR for up to 36 months on qualifying purchases. Spread your payments over time with zero interest when paid in full within the promotional period.
- Fixed Monthly Payments: Pay off your purchase in equal monthly installments.
- No Interest Charges: As long as monthly payments are made on time and the full balance is paid within the term.
- Ideal For: Customers looking to finance higher-value purchases over 12, 24, or 36 months with clear, predictable payments.
Terms & Conditions for 0% APR Financing:
Offer valid on qualifying purchases only. 0% APR financing is subject to credit approval by third-party lending partners. Equal monthly payments are required for the duration of the promotional period (12, 24, or 36 months). If minimum monthly payments are missed or the balance is not paid in full by the end of the promotional period, standard APR interest charges will apply. Tax and delivery fees may not qualify for financing.
OPTION 2: NO CREDIT NEEDED LEASE-TO-OWN (SNAP FINANCE & PROGRESSIVE LEASING)*
Don't let your credit score hold you back. We partner with Snap Finance and Progressive Leasing to offer simple payment solutions without a traditional credit score requirement.
Why Choose Lease-to-Own?
- No Credit History Required: A low credit score or no credit history won't automatically decline your application.
- Quick Approvals: Fast and easy online application process.
- Flexible Purchase Options: Choose the buyout plan that fits your budget.
Buyout & Payment Options:
- 90-Day Purchase Option (Lowest Total Cost)*Pay off your total balance within 90 days (100 days for Snap Finance, depending on agreement) to minimize extra costs and acquire full ownership quickly. You will pay the cash price plus applicable processing fees.
- Early Purchase Option*Want to pay off your balance after 90 days but before the full term expires? You can exercise an early buyout at any time to receive a discount on the remaining leasing fees.
- Full-Term Lease AgreementSpread your payments over the standard 12-month lease period with affordable, low recurring payments.
Legal Notice & Disclaimers for Lease-to-Own Options:
"No Credit Needed" Disclaimer: "No Credit Needed" means that you do not need a good credit score to be approved. However, leasing companies (Snap Finance / Progressive Leasing) will obtain information from credit bureaus to verify your identity and financial background. Not all applicants are approved.
Pricing Disclaimer: Standard agreements offer up to 12 months to full ownership. Early purchase buyout options cost more than the retailer's original cash price (except where prohibited by law, such as the 3-month option in CA). Initial payments or application processing fees may apply at checkout.
Early Buyout Contact: To exercise an early purchase option, please contact Progressive Leasing directly at 877-898-1970 or Snap Finance at 800-608-2611.
Get What You Want Today. Pay Over Time.
With promotional financing options from Decohub Home, major home upgrades don’t have to wait.* Transform your space now with flexible payment plans tailored to fit your budget.
- Instant Approval Options: Quick and easy application process with real-time decisions.
- Flexible Terms: Choose from short-term early buyout options or fixed monthly payment plans.
- No Credit Needed Options: Accessible financing solutions available through Snap Finance and Progressive Leasing.
*Notice: Financing and lease-to-own options are subject to credit approval or application verification by third-party lending partners. Terms, conditions, and promotional availability may vary.
SPECIAL PROMOTIONAL FINANCING OPTIONS
Take advantage of our limited-time promotional financing plans to make your home upgrades easy and affordable:*
- 12 Months Deferred InterestNo Interest If Paid In Full Within 12 MonthsEnjoy maximum flexibility on your purchase. Interest will be waived if the full balance is paid within the 12-month promotional period.
- 36 Months 0% APR Financing0% APR with 36 Equal Monthly Payments (Minimum Purchase: $2,999)Spread your payments over 36 months with zero interest. Requires a minimum purchase of $2,999 and equal monthly installments.
Terms & Conditions:
Offers valid on qualifying purchases only. Promotional financing is subject to credit approval by third-party lending partners. Minimum monthly payments required. If the balance is not paid in full within the promotional term or if payments are missed, standard APR rates and interest charges will apply. Minimum purchase thresholds apply before tax and delivery fees.
EASY FINANCING MADE SIMPLE WITH AMERICAN FIRST FINANCE
Get what you need today and pay over time with flexible, convenient payment options. Through American First Finance, even if you have less-than-perfect credit, you may still qualify to bring home your favorite furniture and home products.
- Approvals in Minutes: Fast and straightforward application process with instant decisions.
- Flexible Payment Terms: Customized payment schedules tailored to fit your budget.
- No Credit Required Options*: Approvals are based on your financial history rather than just a traditional credit score.
*Legal Notice & Disclaimer:
Financing options through American First Finance are subject to application approval by third-party lending partners. "No Credit Required" options do not mean credit checks are never performed; decisions are evaluated based on income, banking history, and other factors instead of relying solely on traditional credit bureau scores. Terms, fees, and promotional availability may vary by agreement.
- Flexible Term Lengths: Terms typically range from 6 to 36 months, depending on your approval status and total purchase amount.
- Early Payoff Savings: You may qualify for an Early Payoff Discount if you choose to clear your remaining balance before the full term ends.
Note: Early payoff discounts and exact payment terms are determined by your individual agreement with the finance provider.
NO CREDIT NEEDED FINANCING WITH SNAP FINANCE
Don't let a low credit score stand in the way of building a home you love. Through Snap Finance, we offer industry-leading approval rates designed specifically for customers with bad credit or no credit history at all.
- High Approval Rates: Designed to provide flexible accessibility when traditional financing is out of reach.
- Instant Decisions: Fast, simple, and transparent online application process with instant results.
- Shop Furniture Today: Get pre-approved in minutes and take home the furniture, mattresses, or home accents you need.
*Legal Disclaimer:
Snap Finance is subject to application approval by third-party lending partners. "No credit needed" means you do not need a traditional credit score to be approved; however, Snap Finance may obtain information from credit reporting agencies to verify identity and financial background. Approval amounts, early buyout options, and payment terms depend on your specific lease-to-own agreement.
