We currently offer 6 financing options!

The Help Card, Progressive, Merchants Preferred, EasyPay, Snap Finance, and West Creek Financial!    


Credit Check Financing

Special Financing Available from The Help Card

This is a revolving credit line that can be used for any purchase up to the maximum of amount of credit approved. Credit promotions are always available with this program.

On any purchase, minimum monthly payments are required. Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full by the due date or if you make a late payment.*

Purchase APR is 29.99%. Subject to credit approval. Offer valid for consumer accounts in good standing; subject to change without notice. See finance agreement for details. Many not be combined with any other credit promotion offers. Call or visit a furniture store location for complete details.

No Credit Needed

Apply With Progressive

We also offer NO CREDIT NEEDED Leasing through Progressive, Crest Financial, Merchants Preferred, Okinus, and Snap Finance for only $40 down.

Benefits of using Progressive and Other No Credit Needed Leasing Options

No credit needed for bad or no credit

90 Day Buyout Option

Instant approvals for quick responses

Exceptional Customer service

86% of applicants are APPROVED

How does it work?

Step 1 - Customer fills out application (online or fax in)

48% are approved on step one alone!

Step 2 - Even customers who aren't instantly approved can still qualify by simply providing a few additional documents via fax (214-731-6071) or email (customerservice@welchsfurniture.com):

Most recent pay check stub - showing Year to Date wages

Most recent thirty days of Bank History

Voided Check or Bank Verification Form

Copy of Photo I.D.

Payment Options

Various buyout options are available at any time. Including:

12 months–12 month Lease To own. Customers are setup on a schedule of 12 easy payments of 15% of the original purchase price.

90 Day Early Buyout - During the first 90 Days, customers do not accrue any additional rental fees, and are welcome to pay off the financed amount (cash price plus application fee) as if they had paid for the merchandise upfront. (NO ADDITIONAL FEES!)

35% Discount Option - The second buyout option allows customers to fully own the merchandise early at a 35% discount off the remaining balance.

*All Orders are subject to a 6% surcharge when using a financing option.

Apply with Progressive

Apply With Snap Finance

(100 Day Same As Cash)

Apply With EasyPay

West Creek Financial


Apply With Merchants Preferred