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Apply Online
Complete the secure Synchrony application from your phone, computer or tablet.
Financing
Flexible Financing Options
Take It Home Today.
Pay Over Time.
Furnish your home now with convenient financing options available through America’s Discount Furniture.
Financing is subject to credit approval and applicable terms.
Current Financing Partner
Synchrony Financing
Apply online before visiting our showroom and shop with a financing option designed to make your furniture purchase easier to manage.
- Secure online application
- Convenient monthly payment options may be available
- Use approved credit toward qualifying purchases
- Shop furniture, mattresses, dining rooms and bedrooms
Subject to credit approval. Terms, available credit and promotional offers are determined by Synchrony.
Click the Synchrony banner or the Apply Now button to begin.
Simple Process
How Financing Works
Apply online, receive a decision and then visit America’s Discount Furniture to shop.
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Receive a Decision
Synchrony will review your application and provide the available account details.
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Start Shopping
Visit our showroom and let our team help you find the right furniture for your home.
Why Customers Finance
More Ways to Furnish Your Home
Spread out the cost of eligible purchases instead of paying the entire amount at once.
Living Room Furniture
Shop sofas, sectionals, recliners and complete living room sets.
Bedroom Sets
Furnish your bedroom with beds, dressers, chests and nightstands.
Payment Flexibility
Available financing may help make larger purchases more manageable.
Local Toledo Store
Shop locally with help from the America’s Discount Furniture team.
More Financing Options Coming Soon
We are working to offer additional lease-to-own and financing options so more customers can find a payment solution that works for them.
Questions & Answers
Financing FAQs
Review these common questions before starting your application.
Can I apply before visiting the store?
Yes. You can use the application link on this page before visiting America’s Discount Furniture.
Does everyone get approved?
No. Approval, available credit and account terms are determined by Synchrony and are subject to its credit requirements.
What can I purchase with approved financing?
Approved financing may be used toward eligible furniture and mattress purchases, subject to available credit and applicable account terms.
Who manages my financing account?
Synchrony manages the financing application, credit decision, account statements and payments.
Are promotional financing offers always available?
Promotional offers may vary. Review the terms shown during the application process or ask an associate about current options.
Can the store guarantee my approval?
No. America’s Discount Furniture is not the lender and cannot guarantee approval or a specific credit amount.
Ready to Start Shopping?
Apply for Synchrony financing online and then visit America’s Discount Furniture to find furniture for every room in your home.
Financing is subject to credit approval. Available credit, monthly payment requirements, interest charges, promotional offers and account terms are determined by Synchrony. Review all account and promotional terms before completing a purchase.
America’s Discount Furniture is not a lender and does not make credit approval decisions. Synchrony is responsible for application processing, account approval, statements and payment servicing.