Financing Options at S&M Furniture Inc – Dallas, TX
At S&M Furniture Inc, we make it easy to furnish your home with flexible, in-house financing. From living room sets and bedroom furniture to dining tables and full-home packages, our plans help you bring style and comfort home today.
Why Finance With Us?
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Simple, Fast Approval: We perform a hard credit check to determine eligibility, and all credit welcome. The only automatic disqualifier is an active bankruptcy.
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Flexible Options: Choose a revolving line of credit to shop now and pay over time, or an installment loan with fixed payments for larger furniture purchases.
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Convenient Application: Apply online, by phone, or in-store—or request a printable application.
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Competitive Rates: Interest rates vary by credit profile, financing type, and state laws, with full transparency and no hidden fees.
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Personalized Support: Our team guides you through the application, financing options, and payment management.
How It Works
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Check eligibility (18+, valid SSN, state-issued ID).
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Choose a financing type: revolving credit or installment loan.
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Submit your application online, by phone, or in-store.
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Make a down payment (10–50%, depending on plan and purchase).
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Receive your furniture with prompt delivery or pickup.
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Manage payments easily in-store or online with money orders, credit, or debit cards. Late payments 30+ days may affect your credit.
Additional Benefits
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No annual fees
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Early payoff flexibility with no penalties
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Credit line increases available based on account history
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Secure and confidential processing
Financing Covers Most S&M Furniture Products
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Sofas, sectionals, recliners, coffee tables
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Bedroom sets and mattresses
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Dining room tables and chairs
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Office desks and seating
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Home décor and accent pieces
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Full-room and whole-home furniture packages
Please note: Financing applies to products only. Some furniture items in-store may not be eligible for financing. Delivery and service fees are not financed.