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Financing Options

3 Ways to Pay

No Interest Financing*

6, 12, 18 month term financing options6, 12, 18 month term financing options

synchrony credit card
no interest financing

Up to 18 months Deferred Interest Financing with approved credit.

Synchrony Bank - Financing Partner

With Synchrony's financial solution, you can buy today and pay over time. Choose convenient low monthly payments to fit your budget, including no interest and low interest options, and manage your account online with easy-to-use bill payment options. Get started and apply today!

For specific credit card agreement terms, please contact our store. Subject to credit approval.

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SmartLease™ Program

Are you ready to build or rebuild your credit?

90 Days Same as Cash

Sam's saves you money with our lower fees and everyday low prices!!!

Now offering Lower, Flexible Monthly Payments to save you money

SmartLease TermSmartLease Term

More Details

Why Choose Sam's?

We want you to have the product you need with the lowest monthly payment. We are A+ rated with the Better Business Bureau for over 50 years and have been working with the 3 credit bureaus to improve our customer's credit scores. The bottom line is that we want to be a part of making your life better.

How is Sam's different from a "Rent to Own" furniture store?

Bigger stores, new merchandise, lower monthly payments, lower total cost, lower cash prices, A+ rated with BBB, better opportunity for ownership, "se habla espanol" ...just to name a few!

Tell me about your SmartLease program.

With our SmartLease program, you can get ownership in 17 months or less with a two month minimum commitment. After two months, you have the option to pay your account in full using the early payoff or return the merchandise to close the account.

The earlier you payout the more you save. We report to all 3 credit bureaus to help you establish or re-establish good credit history.

What is your "Same as Cash" program?

We offer 90 days "same as cash" based on our everyday low retail prices. There are no additional early payoff fees.

I have bad credit. Will I be approved?

Our SmartLease program is a great opportunity for people who are ready to rebuild their credit. We understand that past circumstances may have hampered your credit report. When looking at potential lease customers, we review activity within the last 12 months for on-time payments and open credit lines. Our "ideal" customer has a credit past.

Do you check credit?

When we pull your credit, we are verifying that you are who you say you are and you live where you say you live. Most times, an accurate credit report will help us finalize your lease faster and would require less documentation. The benefits of our SmartLease program outweigh the effect of our credit check.

How can I apply?

Apply online or apply in store or call us for a phone application at 817-665-5050.

How can I make sure my application goes smoothly?

Super glad you asked this! The more accurate the application is, the quicker the process. Be prepared with a valid driver's license and three personal references. In some cases, we may ask for proof of residence such as a lease agreement or a utility bill with your name and address. We may also ask for documentation of your income.

How much will I be approved for?

Our first account approvals start at $1200, which is a $158 monthly payment. Second chance accounts may have lower approvals in order to have greater success.

What is my down payment?

New customer accounts require a one month payment and a $20 processing fee.

With good payment history, we can defer the first payment on new leases for existing customers.

Delivery fees can either be paid prior to delivery or included in your monthly payments.

How long before my account shows at the credit bureaus?

Normally, it takes 30-60 days for your account to appear on your credit report. We report during the first week of every month and your payments should appear by the 15th of each month.

Tell me about the Customer referral program.

Fantastic question! Sam's unique customer referral program rewards lease customers for bringing their friends or family to open a new lease account at Sam's. We will send the referring customer a $25 gift card for use anywhere. We will waive the processing fee for our new lease customer ($20 value). Everybody wins!

Proudly Serving the Dallas and Fort Worth Metroplex Since 1946