Mega Financing

★  Arizona's Most Flexible Furniture Financing

Your Dream Furniture.Your Terms.

Take home what you love today. Multiple financing options designed for every budget and every credit situation — starting at just $49.

✓ Good Credit ✓ Bad Credit ✓ No Credit ✓ We've Got You
Apply Now with Kafene  → See All Financing Options  ↓
Kafene Lease-to-Own ★ PREFERRED PARTNER
$49
To Start
$5,000
Lease Up To
2 Min
Approval
Only $49 to Start
Low initial payment. No large down payment needed to get your furniture home.
Lease Up to $5,000
Furnish your whole room — sofa, dining, bedroom — all on one lease.
Flexible Payments
Choose weekly, bi-weekly, or monthly — whatever fits your paycheck.
Early Purchase & Save
Pay it off early and save on remaining payments. Your path to ownership.
Apply Now — Takes 2 Minutes  →

No impact on your credit score to check your approval amount

Simple Process

Furniture in 4 Easy Steps

No complicated paperwork. No long waits. Walk out with what you love today.

1
Apply in Minutes
Online or at any of our 10 Arizona stores. Just basic details.
2
Instant Decision
Know your approval amount right away. No waiting.
3
Shop What You Love
Browse showrooms or online. Pick what fits your life.
4
Take It Home
Flexible payments on your schedule. Buy early to save more.
Check My Approval — Free  →
10 Arizona Locations
Phoenix · Tempe · Mesa · More
Thousands of Happy Families
Trusted across the Valley
Safe & Secure
Your data is protected
Same-Day Approval
Walk out with furniture today
More Ways to Pay

Financing for Every Situation

Multiple options so you always find the right fit for your budget.

Good Credit

Synchrony Financial

Dedicated credit line with promotional financing and convenient monthly payments. Use it again and again at Mega Furniture.

  • Promotional financing periods
  • Reusable credit line
  • Pay online or by mail
  • No expiration date
  • Cardholder-only special offers
Exclusive Card

Mega Furniture Credit Card

Our exclusive store credit card through BrandSource. Use at Mega Furniture and BrandSource dealers for furniture and appliances.

  • Promotional financing offers
  • Reusable credit line
  • Pay online or by mail
  • No expiration date
  • Also works at BrandSource dealers
Apply Now →
No Credit Needed

Koalafi

High approval rates with no traditional credit needed. Lease up to $7,500 with flexible payment options and early payoff savings.

  • Up to $7,500 approval
  • No credit needed
  • 90-day payment option
  • Early payoff options
  • Builds your credit history
Bad / No Credit OK

Snap Finance

Fast approval for shoppers with less-than-perfect credit. Get approved in seconds with flexible payment plans.

  • High approval rates
  • Up to $3,000
  • 100-day payoff option
  • No hidden fees
  • Early payoff discounts
Apply Now →
Common Questions

Furniture Financing FAQ

Most of our lease-to-own options like Kafene and Snap use a soft inquiry that does not impact your credit score. Traditional credit options like Synchrony Home may use a hard inquiry. Our team can help you choose the right option.
That is exactly why we offer multiple financing partners. Kafene, Snap, and Koalafi are all designed to work with customers who have limited, challenged, or no credit. You have options — we will help you find the one that works.
With Kafene, you can start for as little as $49. Other options have different initial payment requirements. Our team will walk you through what each option looks like for the furniture you are shopping for.
Yes! Most of our financing partners offer early purchase or early payoff options — and you will save money doing it. The sooner you pay it off, the less you pay overall.
Many of our financing options can be started online — Kafene takes about 2 minutes. You can also apply in person at any of our 10 Arizona locations where our team can walk you through everything.
Everything — living room sets, bedroom furniture, dining tables, mattresses, home office, outdoor furniture, and more. If it is on our floor or website, you can finance it.

Ready to Furnish Your Dream Home?

Apply in 2 minutes. No credit score impact. Walk out with your furniture today.

Apply Now with Kafene  → Find a Store Near You

Serving All of Arizona

Phoenix · Tempe · Mesa · Glendale · Avondale · Gilbert · Peoria · Goodyear · Surprise · Chandler
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