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CREATE YOUR PERFECT HOME! Apply online or in-store, and get financing today

We offer convenient in-store financing on your purchase. Subject to credit approval. Please contact us for more details.

Is your purchase too large for a single finance option? Ask our Chat Agents for assistance.

100% Credit Approval is our goal! Financing your purchase at Big Sandy Superstore has never been easier.

Much like our vast selection of top quality products is sure to have the perfect piece for each of our unique customers, we have financing options to fit many different budgets. Of course, we welcome cash, personal checks, Visa, MasterCard and Discover, but we also have several options to let you take home the furniture, bedding, appliances or electronics you want and need TODAY!

View Credit Card Options Low or No Credit Options
  • No Credit
  • Low Payments
  • Layaway
  • Special Financing Available*


Synchrony bank is our most flexible financing option. Upon application approval, you’ll be issued a Big Sandy Charge Card or you can use your Synchrony Home card. Choose from multiple special financing options. Available to qualified customers with a qualifying purchase. You can even manage our account online. Get started and apply today!

No Money Down
No Minimum
9.99% APR for 6 Years

*Interest will be charged on the promo purchase from the purchase date at a reduced 9.99% APR, and fixed monthly payments are required until paid in full. These payments are equal to 1.86% of initial total promo purchase amount, rounded up to the next whole dollar. These payments may be higher than the payments that would be required if this purchase was a non-promo purchase. Regular account terms apply to non-promo purchases. New Account APR is 29.99%. Minimum Interest Charge is $2. Existing cardholders: See your credit card agreement terms. Subject to credit approval. Any discount, coupon, manufacturer rebate, or other promotional offer applied at time of purchase, will reduce your total purchase amount and may result in you not satisfying the minimum qualifying purchase amount required.
Learn More Apply Now Manage Account

Synchrony Home

FINANCING Great American Finance

Great American Finance is an aggressive lender that gives you 6 months or 12 months deferred interest program with a flexible revolving charge and you can defer the 1st monthly payment up to 90 days! Only at Big Sandy Superstores! Nobody else has that right now.

*Based on creditworthiness.
** Subject to credit approval. Finance charges will be waived if you pay the entire purchase amount during the promotional period under deferred interest programs. You will need to pay more than the minimum amount due to pay off the balance during the promotional period. Interest will be charged from the date the consumer becomes obligated for the transaction amount subject to the deferred interest offer if the transaction balance is not fully paid within the deferred interest period. New financing may be funded by FinWise Bank.
***Credit line increase occurs after the first 5 consecutive on-time payments of at least the minimum payment amount as reflected on your current account statement.

Get Pre-Approved for up to 12 months Same as Cash with No Effect on your Credit Score.

Apply Now
Great American Finance logo

Got Questions?

For Customer Service Questions, call 888-610-2449

Available Online or In-Store

Our very best financing option for qualified applicants.

Decisions in Seconds

Know whether you're approved right away

Convenient Revolving Charge

Dedicated credit line to use again for any future superstore needs


Whether you have low or no credit, we're here to help you take home the furniture, appliances, bedding and electronics you need today without worry. See our financing options below to find out which is best for you!

Acima Apply & Buy In-store Apply & Buy Online

Available Online or In-Store

Approvals up to $5,000

No Credit Needed

Buy what you need, when you need it. We'll give you the time to pay.

90-Day Payment Option

Applying with Acima will NOT affect your FICO score

Snap! Finance Apply & Buy Now

Available Online or In-Store

Featuring 100-Day Cash Payoff

Lease To Purchase

Lease up to $3,000

Up to 18 Months to Pay

Automatic Payment Plan

Take part in our Lease-to-Own program

Applying for Snap! Finance will not affect your FICO score

Katapult Apply & Buy Now

Featuring 90 Days Same as Cash Option

No Credit Needed

Up to $3,500 pre-approval

Apply in a Minute or Less

Applying with Katapult will NOT affect your FICO score


*Up to 6 months

Find a Store

Available In-Store Only

Ask our in-store sales associates if layaway is the right option for you

You Decide When to Pay

Reserve your price and pay on your own terms

Free Layaway

FREE layaway with a small deposit of 10%, on in-line product