Payment methods we accept today
- Cash — at pickup or delivery
- Credit Card — Visa, MasterCard, American Express, Discover. Use a 0%-APR card to effectively finance interest-free.
- Venmo — instant, no fees
- Zelle — instant, no fees
- Bank Transfer (ACH) — for larger purchases
Coming soon — Snap Finance buy-now-pay-later
We're integrating Snap Finance to add a no-credit-check financing option for our customers. Once active, you'll be able to apply at checkout, get an approval decision in seconds, and take your sectional home the same day with payments spread over 12-18 months. Approval doesn't require good credit — Snap evaluates based on income and bank history rather than credit score, so most applicants approve.
What Snap Finance gives you:
- No-credit-check application (Snap uses a soft pull only)
- Approval decisions in seconds at checkout
- 12-18 month payment terms
- Take the sectional home the same day
- Build payment history without a hard inquiry on your credit
The 0% APR credit card hack
If you have a credit card with a 0% introductory APR window (most major issuers offer 12-18 month windows on new cards), buying a sectional on that card is effectively financing it interest-free. Pay the balance before the intro window expires and you've spread the cost over a year-plus without paying any financing fees. We accept all major cards.
No-credit-check options today
If credit is a concern, the existing methods we accept all bypass credit checks: cash, debit, Venmo, Zelle, and bank transfer don't pull your credit at all. When Snap goes live, we'll have a true no-credit-check financing path for those who need to spread payments over time without using a credit card.
Sectional prices that work without financing
Our entry-level used designer sectionals start at $700-$900 — Article, CB2, smaller West Elm pieces. Mid-tier (West Elm Andes, Pottery Barn Harper) runs $1,200-$2,000. RH and larger configurations top out around $3,500. Browse sectionals under $1,000 if budget is the priority — same brands, smaller footprints, same condition standards.