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Home Zone Furniture Financing Explained

Making your house a home is easy with our extensive range of affordable furniture. We have beds, dressers, drawers, sofas, lounge chairs, media centers, dining tables, and more so you can style every room in your home. Our ranges of furniture designs and themes mean we have something to suit various personalities, lifestyles, and interior tastes. While we provide quality and stylish modern furniture to fit seamlessly into your home, we also have a selection of Home Zone furniture financing options. You can choose the best option to suit your requirements from our Home Zone credit card, layaway, or rent-to-own options, and make hassle-free payments on furniture.

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Home Zone Financing Options 

You can readily access our affordable living room and dining room furniture and financing options at all our retail locations—whether you have an excellent or imperfect credit rating or no credit at all—to help turn your house or apartment into a home.

Special Financing

We do not charge interest when you help yourself to a special financing promotion for an amount stated on our website pages. In this instance, we divide the purchase price into equal monthly payments over the months specified in the promotion. Feel free to apply for our Home Zone furniture credit card, and we will inform you of your approval.

You may pay a smaller monthly amount if you do not utilize a promotional offer. However, our regular account terms apply to non-promotional purchases. These terms mean we charge an annual percentage rate (APR) of 29.99% on new accounts with a $2 minimum rate. An APR is the monthly applied annualized percentage rate a retailer charges on your credit card balance. Existing cardholders should review their credit card agreement terms, as they are subject to our approval of the purchase amount.

Take It Home for Only $50

Another alternative finance option is taking your chosen item home after paying $50 upon purchase and a further $50 within the first 90 days. The benefit of rent-to-own at Home Zone is that no credit is required. Instead, you can use this opportunity to build credit with Equifax if you make your payments on time. We may approve up to $4,000 regarding this 90-day option, making it ideal when you need a bed for your room as soon as possible.

Our rent-to-own zone option enables you to pay over a stipulated period. We determine the lease-to-own payments based on the cash price of the item and how frequently you make payments. You will take ownership of the merchandise after paying for 12 months or when you implement an early purchase option. What does that mean? You can pay the entire amount owing in one go before the rental period expires and save on interest charges, making your purchase more affordable.

Home Zone Offers Layaway 

Use our layaway option, payable over six months, if you can make a 20% nonrefundable down payment on your purchases. Choose between making weekly payments of 4.24% of the original balance or 17% monthly to maintain your account. If you decide to pay the total purchase amount within 90 days, please allow us four weeks or more before pickup or delivery after making your final payment to ensure the item is available. 

We will refund your payments less the 20% deposit for accounts that take six months to pay off if your item is no longer available. If you cannot make any payments toward your items for 30 days, we will consider your account delinquent, cancel it after 90 days, and convert what you have paid to store credit. Layaway offers you a price guarantee should the items become more expensive in the interim, so it is an excellent choice.

Find Your New Furniture at Home Zone Furniture

We make it easy for you to obtain what you need to set up a new home, replace worn-out pieces, or change your décor. Visit a Home Zone branch or browse our online store to find meticulously manufactured furnishings for your living, dining, and bedroom, plus the charming accessories you need to add some color and pizazz to the big picture.

Contact our team for help creating a specific theme or if you have any other questions about our furniture financing options.

Find a Home Zone Furniture Store in Texas Near You

Mesquite, TX | Richardson, TX | Hudson Oaks, TX | Cedar Hill, TX | Lewisville, TX | North Lewisville, TX | Arlington, TX | Allen, TX | North Richland Hills, TX | Denton, TX | Fort Worth, TX | Burleson, TX | Lake Worth, TX | Waco, TX | Lawton, OK | Abilene, TX | Marble Falls, TX | Round Rock, TX | Wichita Falls, TX | San Angelo, TX

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