Financing
Take Your Furniture Home Today — Even With No Credit
At Tony Discount Furniture & Mattresses we work with four lease-to-own companies — Snap Finance, Koalafi, Acima and Kafene — so you don’t have to wait or pay everything up front. Perfect credit is not required, and all four regularly approve customers who are still building credit.
You can apply from your phone in a few minutes, before you come in or while you’re here at our store on East WT Harris Blvd. Se habla español — we’ll walk you through the whole application in Spanish.
How it works
- Choose your furniture. Come by the store or browse online and pick what you want.
- Apply. Choose Snap Finance, Koalafi, Acima or Kafene and fill out the short application. Most decisions come back in minutes.
- Make your initial payment and sign.
- Take it home. Same-day delivery is available on every item in the store, including financed purchases, subject to availability.
Pick one of our partners below to start your application.
Our financing partners
Snap Finance — Lease-to-own for customers with all credit backgrounds.
Koalafi — Prequalify without affecting your credit score.
Acima — Approvals from $300 to $5,000 in merchandise.
Kafene — Apply in about a minute, approvals up to $5,000, valid for 30 days. Apply with Kafene
What you'll need
Each company sets its own requirements. In general, you’ll need:
- A government-issued photo ID, and a Social Security Number or ITIN
- An active checking account in your name
- A steady, verifiable source of income
- A valid phone number and email address
- To be 18 or older, or old enough to sign a contract in your state
Acima also asks for three months of income history with your current source of income.
Questions our customers ask
Do I need good credit?
No. All four of our partners approve customers with limited or damaged credit. They look at your income and banking history, not only your credit score.
Will applying hurt my credit score?
Koalafi’s prequalification is a soft inquiry that does not affect your credit score. Once you accept lease terms, Koalafi runs a hard inquiry that may affect alternative credit bureau scores but not your FICO score, and reports your monthly payments to TransUnion. Snap Finance, Acima and Kafene use their own review processes. Ask us, or read the provider’s terms, before you apply.
Can I pay it off early and save money?
Yes. All four offer early purchase options. Koalafi has an early buyout window in the first 90 to 120 days. Kafene’s early purchase period is around 90 days for the lowest total cost, with discounted payoff available after that. Acima’s agreement runs 12 months to ownership, and the sooner you buy out, the less you pay. The exact amount depends on your agreement.
How much do I pay today?
It depends on the item and the company you choose. Ask us for an estimate before you apply.
Can I finance anything in the store?
Yes. Every item we carry can be financed — sofas, sectionals, recliners, chairs, rugs and mattresses in every size.
Can I do all of this in Spanish?
Sí. Se habla español y le ayudamos con toda la solicitud.
Important
Lease-to-own is not a loan. The total cost of ownership is higher than the cash price. All terms are set by Snap Finance, Koalafi, Acima and Kafene — please review your agreement before you sign.
Come see us
Tony Discount Furniture & Mattresses
6650 E WT Harris Blvd, Unit C, Charlotte, NC 28215
(704) 390-1713
Monday–Saturday 11:00 am – 7:00 pm · Sunday 2:00 pm – 6:00 pm
