No Credit Check Furniture Financing
Get the furniture you need today — no credit check, no waiting, no stress.
At American Furniture of Slidell, we believe bad credit or no credit shouldn't stand between you and a comfortable home. That's why we partner with Acima and Uown Leasing — two lease-to-own programs that let you take furniture home now and pay over time, with approval based on your income, not your credit score.
How It Works
Apply online in minutes
No hard credit pull, no paperwork to bring in.
Get a real-time decision
Most applicants know within seconds.
Pick out your furniture
Anything in our store, up to your approved amount.
Take it home
Pay a low initial payment (or none, depending on the program) and start using it right away.
Own it
Make your lease payments on schedule, or pay it off early to save.
Lease-to-own is not a loan. You're leasing the merchandise until you complete your payments or exercise an early purchase option — at that point, it's yours free and clear.
Compare Your Options
| Acima | Uown Leasing | |
|---|---|---|
| Initial payment | Low to no initial payment | No down payment, no in-store fees (processing fee up to $40 may apply) |
| Lease terms | 12, 18, or 24 months | Flexible weekly, bi-weekly, or monthly terms |
| Early purchase | 90-day early purchase option, plus a discounted buyout after that | 90-day program and early payout discounts available throughout the term |
| Payment schedule | Weekly, bi-weekly, twice-monthly, or monthly — aligned to your payday | Weekly, bi-weekly, semi-monthly, or monthly |
| Good for | Larger purchases up to $5,000 | Shoppers who want a no-money-down start |
Terms, fees, and approval amounts are set by Acima and Uown Leasing and may change. Review your lease agreement carefully before signing — we're happy to walk through either option with you in-store or by phone.
Frequently Asked Questions
Neither Acima nor Uown Leasing runs a traditional hard credit check through Equifax, Experian, or TransUnion. Approval is based mainly on your income and banking history, so applying won't ding your credit score.
Typically: a government-issued photo ID, an active checking account, proof of income, and a Social Security number or taxpayer ID. Specific requirements vary by program — our team can confirm exactly what you'll need before you apply.
Yes. Both programs offer early purchase options — often within the first 90 days — that can significantly lower your total cost compared to paying through the full lease term.
Late or missed payments may result in fees, and can affect your standing with the leasing company. If your circumstances change, contact Acima or Uown directly — both companies have options to help you stay on track.
No. This is a lease-to-own agreement: Acima or Uown purchases the furniture and leases it to you until you complete payments or use an early purchase option. Because there's added flexibility and no credit check, the total cost is typically higher than paying cash or using a low-interest loan — it's best suited for shoppers who need furniture now and don't have access to lower-cost financing.
Approval amounts vary by applicant and program. Acima generally supports purchases up to $5,000; Uown's approval amount depends on your application. Apply to see your specific approved amount.
No — you only need to apply through one program. If you're not sure which fits your situation better, stop by or call us at (985) 781-4915 and we'll help you decide.
Have more questions? Call us at (985) 781-4915 or visit our showroom.