Financing
Flexible Financing
Made Simple
Bring home the furniture you love today with payment options designed to fit your budget and lifestyle.
How It Works
Apply
Complete a quick application online or in-store.
Get Approved
Receive a fast financing decision in minutes.
Take It Home
Enjoy your new furniture while paying over time.
Financing Options
American First Finance
101 Days No Credit Needed Financing
- 101 Days Same As Cash
- No traditional credit required
- Quick approval process
- Take home your furniture today
- Flexible payment options available
Shop Pay Installments
Pay over time at online checkout
- Split purchases into payments
- Fast real-time approval
- Available during checkout
- Flexible payment schedules
- No hidden charges
Why Finance With Discount Direct?
Fast Decisions
Apply quickly and get a decision without the long wait.
Flexible Terms
Choose payment options that work for your budget.
Simple & Secure
Clear financing options with a simple application process.
Everyone Welcome
Options available for a variety of credit backgrounds.
Financing FAQ
Do I need perfect credit?
No. American First Finance offers no-credit-needed options, and approval is based on more than traditional credit alone.
How long does approval take?
Most applications receive a quick decision, often in just minutes.
Can I use financing in-store?
Yes. American First Finance can be used for qualifying in-store furniture purchases.
Can I use Shop Pay Installments online?
Yes. Shop Pay Installments may be available during online checkout for eligible purchases.
Ready To Furnish Your Home?
Apply today or visit Discount Direct Furniture & Mattresses to find the perfect payment option for your home.