$1 down and no-credit-needed options, at 5 Las Vegas showrooms open 7 days
Need a sofa, bedroom set or mattress now but don't want to pay it all today? Half Price Furniture offers financing and lease-to-own programs that let qualifying customers take furniture home for as little as $1 down, including options that don't require traditional credit.
The fastest way to get approved is in person. Pick your furniture at any of our five showrooms, apply with a team member, and choose pickup or free doorstep delivery across the Las Vegas valley.
How financing works at Half Price Furniture
1. Visit a showroom
Sit on the sofas, lie on the mattresses and pick what you want. Every showroom has in-stock furniture ready for pickup or delivery.
2. Apply in store
A team member helps you apply on the spot and explains each program's payments and terms before you sign anything.
3. Take it home
Take it with you, or choose free doorstep delivery across the valley, usually within 2–5 days. In-home setup is available for a fee.
Financing options we offer
Programs change, so ask your showroom which ones are running today. Approval and terms depend on the program you apply for.
$1 down options
Start with $1 down on qualifying purchases and pay the rest over time on the program's schedule.
No credit needed
Lease-to-own programs approve based on income and banking history rather than a credit score. Some include an early purchase option, such as 100 days same as cash on select plans.
Traditional financing
Customers with established credit can ask about financing through Synchrony Bank for qualified buyers.
What to bring when you apply
Bring these
- Photo ID
- Debit card
- Bank account number
- Employer details
No-credit option: typical requirements
- Checking account open 3+ months
- $500+ in monthly deposits with at least 5 transactions
- 6+ months at the same job or in the same industry
- Gross monthly income over $1,000
Questions first?
Call any showroom before you drive in. We'll tell you which programs are available and what to bring, in English or Spanish.
What you can finance
Financing applies to qualifying furniture and mattresses across the store, including in-stock pieces you can take home the same day.
¿Necesitas financiamiento para muebles?
¿No tienes crédito? No hay problema. Las cinco tiendas tienen personal que habla español y te ayuda con la solicitud, los pagos y la entrega.
Apply in person at 5 Las Vegas showrooms
Every showroom can take your application. Pick the one closest to you, or see hours and maps for all five.
Furniture financing FAQs
Can I get furniture with no credit in Las Vegas?
Yes. Our no-credit-needed options are lease-to-own programs that look at income and banking history instead of a credit score. Approval isn't guaranteed, and terms vary by program.
Is $1 down really available?
$1 down options are available on qualifying purchases through select programs. Ask your showroom which programs are running today.
Can I take my furniture home the same day?
Often, yes. Our showrooms keep furniture in stock, so once you're approved you can take it with you or schedule free doorstep delivery across the valley.
Do I need to apply online first?
No. You can apply right in the showroom with a team member. Bring a photo ID, a debit card, your bank account number and your employer details.
Does anyone speak Spanish?
Yes. All five showrooms have Spanish-speaking staff who can help with your application. Se habla español.