FINANCING

We don't believe financing should be confusing, and we certainly don't believe in making you spend more than you need to.

Unlike retailers who increase minimum purchase requirements to encourage larger sales, Bare Bones Furniture and Mattress Depot honors the financing minimums established by our lending partners. We don't artificially raise those requirements or pressure you into purchasing additional furniture just to qualify for financing. Whatever minimum the lender establishes is the minimum we offer you. No inflated requirements, no unnecessary spending, and no games.

All financing options available to you are presented at checkout, where you can select Affirm through Shop Pay Installments or Synchrony Financing, review available offers, and complete the financing process securely. Available plans are subject to lender eligibility and approval.

Your Home Comes First. Always.

If you are in escrow, actively applying for a mortgage, or in any sensitive credit situation, please consult your mortgage lender before applying for furniture financing.

Opening a new credit account or taking on additional debt could affect your mortgage approval, even if you've already been preapproved.

We'd rather lose a sale than cost you your home.

At Bare Bones Furniture and Mattress Depot, your financial well-being will always matter more to us than making a sale.

All financing is subject to eligibility, credit approval, and lender terms. Available financing offers, interest rates, promotional periods, and minimum purchase requirements may vary.