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No Credit Refused!

Easy own home furnishings - No Credit Refused!

How it works and frequently asked questions


How it Works (it’s easy)...

Just come in and check out our products... make your selection, then decide if you prefer the very best price by using one of our “cash” purchase options or if you want the convenience and flexibility of lease purchasing.* Either way... it won’t be long before you’ll be enjoying your new selection. We even offer free local deliver and setup for larger items.

At Easy Own You Get...

  • Up to 36 months in-house financing, zero down and zero interest for well qualified applicants
  • 6 Months Same as Cash
  • 90 Days Same as Cash
  • Lease Purchase Options
  • Great Selection of Products

Frequently Asked Questions

What do I need to start an account with Easy Own Home Furnishings?

-All you need is your ID, proof of income and address, 4 references and the first payment. You can also apply online and bring your 3 documents to the store for a faster transaction.



Do I need to have a down payment?

-There is no added down payment. All that's owed is your first weekly, bi-weekly or monthly payment. You decide what payment option fits your budget.

Can I change my payment method from weekly to biweekly or monthly?

-Yes, you can change your payment frequency to whatever works for you. At Easy Own we have true rates, which means that the weekly price is not more expensive. We don't penalize or charge you more for certain payment types.

When is my payment due?/Can I set my payment date?

-Yes, we can adjust due dates to whatever works for you.

How are payments made?

-We offer a variety of ways to pay. We want to make it as convenient as possible for you. You can come by the store, text to pay or use the online payment portal. We also offer reoccurring payments, if you would like.

How many payments do I need to make to own it?

-It depends on the item. We try to structure the payments to make them affordable for any budget. The term is always listed on the item.

How does the “90 days same as cash” work?

-For the “90 days same as cash” we take the cash price plus tax and damage waiver ($2.99 a week) and anything you pay within the first 3 months goes towards your item.
-All first-time customers get 90-days-same-as-cash. For existing customers who have completed a 90-days-same-as-cash, we offer 6-months-same-as-cash.

How can I find out my pay off/ buy out?

-You can call or visit the store. One of our customer service representatives will be more than happy to give you the amount.

Can I extend my 90-days-same-as-cash period?

-Unfortunately, we cannot extend the 90-days-same-as-cash. If you miss your 90 days, don't worry, we offer early buy-out discounts.

What do you sell?

-We sell all your favorite brands Kenmore appliances, LG electronics and all sorts of home furnishings from Ashley Furniture.

Do you report to the credit bureaus?

-For lease purchase agreements, we do not report to the credit bureaus. We know things happen, so you can return your items any time without any impact to your credit.

If I can't make my payment on time, how soon do I need to let you know?

-The sooner the better. Staying in contact with us allows us to help you get back on the right track and get your account caught up.

How far will Easy Own deliver?

-We will deliver within 30 miles from the store. Delivery and set up is always free and is almost always same day.