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EXPLORE OUR FINANCING OPTIONS⁺ 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! No Credit Low Payments Layaway Special Financing Available* 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. Whether you're looking for appliance financing or no credit check furniture financing, we have an option for you.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/Finance Card Options Low or No Credit Options

Credit Card / Financing Options

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 appliance, furniture, and mattress financing options. Available to qualified customers with a qualifying purchase. You can even manage our account online. Get started and apply today!

9.99% APR for 5 years on qualifying $2499 or more purchase
9.99% APR for 3 years on qualifying $1499 or more purchase
On purchases made with your Big Sandy credit card. Fixed monthly payments are required for 60/36 months. Excludes super savers, doorbusters, or digital deals.

*Qualifying purchase amount must be on one receipt. Discounts may result in the qualifying purchase amount not being satisfied. 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 2.1242% for 5 Years and 3.2262% for 3 Years 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. For New Accounts: Purchase APR is 29.99%. Minimum Interest Charge is $2. Existing cardholders: See your credit card agreement terms. Subject to credit approval.

Learn More See If You Prequalify Manage Account

Great American Finance is an aggressive lender that gives you 6 months deferred interest program with a flexible revolving charge and you can defer the interest charges up to 6 months!

Subject to credit approval. No interest if paid in full within 6 months. 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. See your account opening disclosure or periodic billing statement for exact deferred interest period/terms. New appliance or furniture financing may be funded by FinWise Bank.

Get Pre-Approved for up to 6 months with No Effect on your Credit Score.

Great American Finance may use credit report information as part of the application process to determine your creditworthiness. The credit inquiry will not appear as a hard credit inquiry on your credit report and therefore they will not affect your FICO score.

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Low or No Credit Options

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

Available Online or In-Store - Approvals up to $5,000! Up to 24 Months to Pay No Credit Needed - Buy what you need, when you need it. We’ll give you the time. 90-Day Payment Option - Applying with Acima will not affect your FICO score.

Apply & Buy In Store Apply & Buy Online

Available Online or In-Store - Featuring a 100 Day Payoff Option Lease To Purchase - Lease up to $5,000. 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

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

Apply & Buy Now

Available in-Store Only - for up to 6 Months Big Sandy Superstore is one of the best furniture stores with layaway. Mattress, furniture, or appliance layaway helps everyone afford the right home furnishings. Ask our in-store sales associates if appliance or furniture layaway is the right option for you. You Decide When to Pay - Reserve your price and pay on your terms FREE Layaway - with a small deposit of 10% on in-line product

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Got Questions? For Customer Service Questions, call 888-610-2449