Financing Options | Urban Styles Furniture

How Financing Works

Getting approved is quick, simple, and stress-free — so you can focus on finding the perfect pieces.

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Step 1: Apply

Fill out a quick application in-store or online. The process takes just minutes and won't affect your credit score for initial pre-qualification.

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Step 2: Get Approved

Receive fast approval with competitive rates and flexible terms. Our team walks you through all available options to find the best fit.

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Step 3: Shop & Enjoy

Choose from our full collection of modern furniture and décor. Your new pieces are delivered to your home while you pay comfortably over time.

Financing Benefits

We believe everyone deserves a beautiful home. Our financing options make it possible.

💳 Fast Approval

Don't wait days for a decision. Our financing partners provide quick approvals so you can start shopping right away. Most customers are approved within minutes.

📊 Competitive Rates

We work with multiple financing partners to offer you the most competitive interest rates and terms available. Ask about our promotional financing periods.

📅 Flexible Terms

Choose a payment plan that fits your monthly budget. From short-term to extended payment plans, we have options for every financial situation.

🏠 No Deposit Required

Many of our financing options require no down payment, so you can furnish your home without a large upfront investment.

🛡️ Transparent Terms

No hidden fees, no surprises. We clearly explain all terms, rates, and conditions before you commit. Ask us anything — we're here to help.

👥 For Everyone

Whether you have excellent credit or are building your credit history, we have financing solutions designed to work for a wide range of customers.

Frequently Asked Questions About Financing

What do I need to apply?

You'll need a valid government-issued ID, proof of income, and a few basic personal details. The application can be completed in our showroom or over the phone.

Will applying affect my credit score?

Initial pre-qualification typically involves a soft credit check, which does not impact your credit score. A hard inquiry may be required upon final approval for certain financing options.

Can I pay off my balance early?

Yes! Most of our financing plans allow early payoff without penalties. Paying early can save you money on interest charges.

What if I'm not approved?

We work with multiple financing partners, so if one option doesn't work, we'll explore alternatives. Our team is committed to finding a solution that works for you.

Flexible Financing Options