Flexible Funding & Payment Solutions To Fit Your Budget
At Ivan Smith Furniture, we believe everyone deserves a comfortable, beautiful home with flexible solutions to fund your project! That’s why we offer multiple payment solutions, such as cash, checks, all major credit cards, layaway, and flexible funding solutions from credit to lease-to-own programs. Whether you have great credit, no credit, or anything in between, we have a flexible solution that works for you to fund your project!
Credit Funding
Synchrony Home Credit Card
Applying online is fast, convenient, and secure. With your approved application you will be able to shop at any Ivan Smith Furniture store location. Subject to credit approval. Minimum monthly payments are required. For details, please visit your local Ivan Smith Furniture store or Click Here to apply.
Shop now and pay over time with trusted financing from Synchrony Bank.
No Interest if Paid in Full in 6 or 12 Months†
Subject to credit approval
Use at any Ivan Smith Furniture location
Safe, secure online application
*No interest if paid in full within 6 or 12 Months on in-store furniture and bedding purchases made with your Ivan Smith Synchrony HOME credit card. Interest will be charged to your account from the purchase date if the promotional balance is not paid in full within 6 or 12 months. Minimum monthly payments are required. A Promo Fee does not apply to this offer. No interest will be charged on the promo balance if you pay it off in full within the promo period. If you do not, interest will be charged on the promo balance from the purchase date. The required minimum monthly payments may or may not pay off the promo balance before the end of the promo period, depending on the purchase amount, promo length, and payment allocation. Regular account terms apply to non-promo purchases and, after the promo period ends, to the promo balance. New Accounts: As of 7/31/2025: Purchase APR 34.99%. Penalty APR 39.99%. Min Interest Charge $2. Existing cardholders: See your credit card agreement terms. Subject to credit approval.
Tower Loan
Simple. Quick. Convenient.
Quick Credit Decision
Installment Financing
Monthly Minimum Payments Required
Same as Cash Financing Option
*Visit your local Ivan Smith for details or to apply.
In-House
Our own in-house credit program benefits include:
Flexible payment plans up to 24-months
Fixed retail installment contract payments
Available in LA, TX & AR
*Visit your local Ivan Smith for details or to apply.
*The advertised service is lease-to-own or a rental-or lease purchase agreement provided by Prog Leasing, LLC, or its affiliates. Acquiring ownership by leasing costs more than the retailer’s cash price. Leasing available on select items at participating locations only. Not available in MN, NJ, VT, WI, WY.
Snap Finance
Credit concerns? Snap Finance has you covered.
No credit history required**
Get approved for up to $5,000
Quick, easy approval process
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*While no credit history is required, Snap obtains information from consumer reporting agencies in connection with an application. Not all applicants are approved. As of February 2023, the average approval amount a customer receives is $2,900.
At all Ivan Smith Furniture locations, almost everyone can qualify for purchases with our easy no credit necessary plan. With a regular checking account you may qualify for 3 months to pay with no credit application necessary. Make 4 easy payments by check through United TranZactions.
