Furniture Financing · Las Vegas

Furnish Your Home Today.
Pay Over Time.

Get the sofas, bedroom sets, and mattresses you want now with flexible payment options. One quick application checks multiple financing providers, and all credit types are welcome to apply.

Multiple Providers No Credit Needed Options Decision in Minutes

Pre-qualification uses a soft credit pull — checking your options won't affect your credit score.

Quick & Easy

How It Works

From application to your living room in three simple steps.

1
Pick your storeChoose which of our 5 Las Vegas showrooms you're shopping.
2
Complete one applicationOne short form checks multiple financing providers at once.
3
Shop with confidenceSee your buying power, then pick out your furniture.
One Application Multiple Providers Decision in Minutes All Credit Welcome

Estimated Payment Calculator

See What Your Payments Could Look Like

Slide to your approximate purchase amount and preview your estimated monthly and weekly payments. These are estimates only — your actual terms depend on the financing offer you qualify for.

Estimated Purchase Amount
$3,000
$300$12,500$25,000
Estimated Monthly
$167/mo
Based on an 18-month plan example
Estimated Weekly
$127/wk
Based on a lease-to-own style example

Payment amounts shown are non-binding estimates for illustration only and do not represent an offer, approval, or guarantee of financing or specific terms. Monthly estimate assumes an 18-month payment example; weekly estimate reflects a lease-to-own style example. Actual payment amounts, terms, down payment, fees, and total cost of ownership are determined by the financing provider you are matched with based on the offer you accept and may be higher. Not all applicants will qualify.

Simple From Start to Finish

One Application, Many Options

You don't have to fill out separate forms for every lender. One application checks multiple financing providers and routes you to options that fit.

1

Apply Once

Complete one short, secure application in just a few minutes — from home or right here in our showroom.

2

We Check Multiple Providers

Your application is routed across multiple financing providers and credit tiers automatically — no need to reapply.

3

Shop Your Way

See the options you're matched with, then choose your sofa, bedroom set, mattress, or full room package.

Visit Us

Five Showrooms Across Las Vegas

Apply online, then come see and feel your furniture in person. Free delivery across the Las Vegas Valley.

North Rainbow

3130 N Rainbow Blvd, Las Vegas, NV 89108 (Rainbow Blvd & Cheyenne Ave)
Hours: Mon–Sat 9 AM–7 PM · Sun 10 AM–7 PM
Phone: (702) 221-9880

West Charleston

4449 W Charleston Blvd, Las Vegas, NV 89102 (In the Walmart shopping center)
Hours: Open daily 10 AM–7 PM
Phone: (702) 221-0444

North Nellis

163 N Nellis Blvd, Las Vegas, NV 89110 (Charleston Commons, by Walmart)
Hours: Open daily 10 AM–7 PM
Phone: (702) 531-1000

South Rainbow

3625 S Rainbow Blvd Suite 100, Las Vegas, NV 89103 (Between Spring Mountain Rd & Twain Ave)
Hours: Open daily 10 AM–7 PM
Phone: (702) 478-7100

East Desert Inn

2488 E Desert Inn Rd, Las Vegas, NV 89121 (Next to La Bonita Market)
Hours: Open daily 10 AM–7 PM
Phone: (702) 992-3259

Questions, Answered

Financing FAQs

Everything you need to know about applying for furniture financing.

Does checking to see if I pre-qualify before I submit a full application hurt my credit?
No. Pre-qualification uses a soft credit pull, which does not affect your credit score. You can check your buying power and see available financing options with no impact to your credit report.
How long does the financing application take?
The application takes just a few minutes. You enter your information once, and you'll see financing options across the lender network — typically the same day, often within minutes.
Why might I be approved when another financing service declined me?
Single-lender services only check with one lender. If that lender declines you, your application ends there. Our application is different — it routes across multiple lenders in three tiers. If a primary lender does not approve you, your application automatically cascades to near-prime lenders, and then to sub-prime lenders, giving you more than one opportunity.
What kinds of financing options are available?
The financing network spans three credit tiers: primary lenders offering traditional installment loans for prime credit customers, near-prime lenders for customers who fall outside prime qualification, and sub-prime lenders offering lease-to-own and sub-prime installment programs for customers who need additional options.
Do I need good credit to apply?
Applicants of all credit profiles are welcome to apply. Because one application is routed across multiple lenders and credit tiers — including no-credit-needed options — there is a financing path for many different credit situations. Applying does not guarantee approval, but it gives you more than one opportunity.
Can I apply before I come into the store?
Yes. You can pre-qualify from home using the soft-pull application, then visit any of our five Las Vegas showrooms to choose your furniture with confidence about your buying power.
Where can I use this financing?
Financing applies to purchases at any of Half Price Furniture's five Las Vegas showrooms — North Rainbow, South Rainbow, West Charleston, East Desert Inn, and North Nellis — on sofas, sectionals, bedroom sets, dining sets, mattresses, and more.

Shopping online? Pay over time at checkout

Choose Shop Pay at checkout to pay in full or split your purchase into installments with Shop Pay Installments.

Rates from 0%–36% APR. Payment options through Shop Pay Installments are subject to an eligibility check and are provided by these lending partners: affirm.com/lenders. Options depend on your purchase amount, and a down payment may be required. State notices to consumers: affirm.com/licenses.

Ready to Furnish Your Home?

Check your options in minutes with one quick application. Checking won't affect your credit score.

Financing Disclosures. Financing is provided by third-party financing providers, not by Half Price Furniture. Half Price Furniture is not a lender, creditor, or financing provider and does not make credit decisions. The application is a single application that may route to multiple financing providers across different credit tiers, including installment loan and lease-to-own (no-credit-needed) options. Approval is not guaranteed and is subject to each provider's eligibility criteria, verification, and applicable terms. Not all applicants will qualify, and the amount, rate, term, and type of any offer depend on the provider and the applicant's qualifications.

Soft Inquiry. Pre-qualification uses a soft credit inquiry, which does not affect your credit score. Pre-qualification is not a commitment to lend and does not guarantee final approval or specific terms.

Estimated Payment Calculator. The payment calculator is provided for general informational and illustrative purposes only. Estimated payment amounts are not offers of credit, are not guaranteed, and do not reflect any specific financing product, rate, fee, down payment, lease cost, or term. The monthly estimate assumes an 18-month payment example and the weekly estimate reflects a lease-to-own style example; both are approximations and do not include taxes, fees, optional products, or the full cost of ownership for lease-to-own agreements, which may be higher than a cash purchase. Actual terms are determined solely by the financing provider you are matched with and the offer you choose to accept. Lease-to-own transactions are not loans and the total of payments may exceed the retail price of the merchandise.