Option 1 (Good Credit) - We use the New Home Synchrony Credit Card.  It only takes about 5 minutes to apply and will allow you some great options like up to 5 Years with no interest and no money down! You can apply by calling the store at 281-579-1411 or you can go click here to apply.

Option 2 (OK Credit) - We are using Regional Finance Corporation for customers that may not qualify for Synchrony but are working towards a better credit report with 6 to 12 months of previous good credit history. This company takes a look at your recent credit history (not just your your credit score) and makes a decision based on that history. This is also a good option if you are young and have not established credit yet. Click Here for the Application. 

Option 3 (OK Credit) - The name of this company is Bristlecone Lending. The benefit of this one is they report to the credit bureau and have been very aggressive about loaning money. This is a good place to start if you are rebuilding your credit. Click on the links below to apply.

 Click Here: Click here for the Application 

Option 4 (Lease To Own) - We use several no credit needed finance/leasing companies for this option but Progressive Leasing offers a 90 day Buyout option with a $49.00 initial payment. Progressive is a lease-to-own option and is a great for someone with bad credit. 
*The initial payment (plus tax) is charged at lease signing. Remaining lease payments will be determined upon item selection.

90-Day Purchase Option: Standard agreement offers 12 months to ownership. 90-day purchase options cost more than the retailer’s cash price (except 3-month option in CA). To purchase early call 877-898-1970.

The advertised service is lease-to-own or a rental- or lease- purchase agreement provided by Prog Leasing, LLC, or its affiliates. Acquiring ownership by leasing costs more than the retailer’s cash price. Leasing available on select items at participating locations only. Not available in MN, NJ, VT, WI, WY.

If you are absolutely sure you meet the following No Credit Needed criteria Click on the Link Below to fill out the form:

*Progressive Leasing obtains information from credit bureaus.

>For the Katy Location Click Here: Click here for the Application 

>For the 1960 Location Click Here: Click here for the Application

  • Must be 18 years or Older
  • Must have a SSN or an ITTN number
  • Have routing and account numbers for an open and valid checking account
  • Have a Credit or debit card
  • If you aren't sure if you meet the above criteria please call us at 281-440-1444. If you need a Bank Verification Form click here to download the ACH bank authorization form.

Option 5 (Bad Credit-90 days same as cash OR Take up to 18 Months to pay) - This company is called Merchants Preferred and only requires 30 days of banking history as opposed to some of the others that require 90 days or even 6 months. There is a $40.00 Processing fee but NO DOWN PAYMENT with this company.

Click on the Link (Image) Below to fill out the application:

Apply For Lease

Option 6 (Bad Credit-No Checking account, and You Just started your Job) -If you do not qualify for Option 5 or 6 but have a job or at least can show a consistent income then you qualify for Tempoe (formerly Why Not Lease It). You can click here to read more about this program. Tempoe is a great option for someone with Bad credit and has a limited down payment. For example if you borrow $1,000.00 your down payment will only be $150.00 plus tax and you will get your furniture or mattress immediately. Please call the store if you have more questions. Call 281-440-1444 for the 1960 Location or 281-579-1411 for the Katy Location.

Click on the Link (Image) Below to fill out the application:

Tempoe Link

Option 7 - Snap Finance 

Snap Finance - Apply Here

Option 8 - West Creek Financial 

West Creek Financial - Apply Here

Option 9 - Acima Financing