Furniture Financing

How Our Financing Works — Plain & Simple

At Carolina Discount Furniture, all prices shown in our store and on our website are cash prices. You can always purchase any item at the listed price by paying in full.

We offer multiple financing options to fit every customer's situation:

⭐ Synchrony Home — 6 Months 0% APR This is our best financing option. Pay zero interest for 6 full months — as long as the balance is paid in full before the promotional period ends, you pay exactly the cash price. No tricks, no surprises.

• 0% interest for 6 months

• Pay the same price as cash — as long as paid in full by 12 months

• Subject to credit approval

Progressive Leasing, Koalafi & Snap Finance — Lease-to-Own These programs are designed for customers who need flexible payments with no credit required. Here is exactly how they work:

Early Payoff = Pay Less Pay off your lease early — typically within 90 to 100 days — and you pay close to the original cash price. We always encourage customers to use the early payoff option.

Full Term Financing If you finance over the full lease term, the total cost will be higher than the cash price. This is standard with all lease-to-own programs — the financing fees are built into the total lease cost. Our team will show you the full cost breakdown before you sign anything.

Simple Example:

• Cash price of item: $1,000

• Pay off within 90-100 days: Initial payment $49 + Cash Price + Sales tax(%7 of the Cash amount +$49)

• Finance over full term: total cost will be higher

Our team will always walk you through your specific total costs before you sign anything. We encourage every customer to ask questions and fully understand their agreement before purchasing.

All credits welcome. No credit needed for most programs.

For questions about financing call us at 864-564-2254.