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Financing Guide

Every way to get it home today — match the right plan to every customer in seconds.

💳

Good credit?

Start with Synchrony or Affirm — real credit lines, special financing terms, buy now pay later.

🤝

Low or no credit?

Acima, Snap, or Katapult — no FICO impact to apply, up to $5,000, 90-day payoff options.

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Not ready to finance?

Layaway — 10% down reserves the price, up to 6 months to pay, in-store only.

Credit options
Credit card financing

Synchrony Bank

Best for: customers with good credit who want a revolving line

  • Big Sandy Superstore Platinum Credit Card on approval
  • Multiple special financing terms on furniture, mattress & appliances
  • Manage the account online
  • Also accepts Synchrony Home Credit Card
Learn more Manage account
Buy now, pay later

Affirm

Best for: customers who want simple monthly payments, no fees

  • Check eligibility with no impact to credit (soft inquiry)
  • Choose the monthly plan that fits — easy automatic payments
  • No fees, no surprises
Apply & buy now
Low or no credit options
No credit needed

Acima

Best for: no-credit customers who want ownership fast

  • Approvals up to $5,000
  • Up to 24 months to pay
  • 90-day payment option
  • Applying won't affect FICO score
  • Available online or in-store
Apply in store Apply online
Lease to own

Snap! Finance

Best for: lease-to-own with a fast payoff option

  • Lease up to $5,000, up to 18 months
  • 100-day payoff option
  • Automatic payment plan
  • Applying won't affect FICO score
Apply & buy now
No credit needed

Katapult

Best for: the fastest no-credit approval

  • Up to $5,000 pre-approval
  • 90 days same as cash option
  • Apply in a minute or less
  • Applying won't affect FICO score
Learn more
In-store only

Layaway

Best for: customers who want to pay over time with zero financing

  • Up to 6 months to pay — you decide when
  • Free layaway with just 10% down on in-line product
  • Reserves today's price
  • Mattress, furniture & appliance layaway available
Find a store

Show them the monthly number

Financing closes deals when the monthly payment feels small. Punch in the price, down payment, and term — quote it on the spot.

Open payment calculator →

Fine print. All financing subject to credit approval — restrictions apply, see store for details. Also welcome: cash, personal checks, Visa, MasterCard, and Discover. Customer service: 888-610-2449. Source: bigsandysuperstore.com/financing.

Tools2Go · Financing Guide