Financing at Kirkland Home Furniture
Furnish Your Home Now. Pay Over Time.
From living rooms and mattresses to appliances, see the payment options you may qualify for — in seconds, with no impact to your credit score to check.
Simple From Start to Finish
How Financing Works
One quick application connects you with multiple financing providers, so more shoppers find an option that fits.
Browse Your Favorites
Pick out the pieces you love — sofas, bedroom sets, mattresses, dining, or appliances.
Check Your Options
Complete one short application. It uses a soft pull, so checking won’t affect your credit score.
Take It Home
Review the options you may qualify for and finish your purchase online or in our Waycross store.
Plan Your Budget
Estimated Payment Calculator
Slide to your approximate purchase price to see sample monthly and weekly payment estimates.
Estimates are for illustration only and are not an offer, quote, or approval. Actual terms, payment amounts, and availability depend on the provider you are matched with and your application.
Why Shoppers Choose Financing
Built to Fit Real Budgets
No Credit Score Impact
Checking your options uses a soft pull that won’t affect your credit score.
Multiple Providers
One application connects you with a range of financing options through a single form.
Fast & Easy
A short application gives you a response in seconds — no long paperwork.
Options for Many Credit Types
Providers span a wide range of credit profiles, so more customers can find a path forward.
Already Have a Synchrony Account?
If you carry a Synchrony credit card with us, you can manage your account or apply directly through Synchrony below.
Apply or Manage With SynchronyLendPro Pre-Qualification FAQs
LendPro Financing Questions, Answered
These answers apply to pre-qualifying through LendPro. For questions about a Synchrony account, please see the Synchrony section above.
Will checking my options affect my credit score?
No. Pre-qualification uses a soft credit inquiry, so seeing your options will not affect your credit score. A hard inquiry only happens later if you choose to move forward and formally accept a financing offer.
How do I get started?
Click any “See If You Pre-Qualify” button and complete one short, secure application. It only takes a few minutes, and you’ll see options in seconds.
Do I have to fill out several applications?
No. You complete a single application, and it’s reviewed by multiple financing providers for you — no need to enter your information over and over.
What can I use financing for?
Financing can be applied toward furniture, mattresses, and appliances throughout the store — living room, bedroom, dining, and more.
What do I need to apply?
Generally some basic personal information such as your name, address, date of birth, and income. The application will guide you through everything step by step.
Is financing available for different credit situations?
Yes. Applications are reviewed across multiple providers covering a wide range of credit profiles, so shoppers with many different credit backgrounds may find an option that works for them.
Can I pre-qualify before coming into the store?
Absolutely. You can check your options from home while you browse, then finish your purchase online or visit us in Waycross.
Visit Us
Your Hometown Furniture Store
Stop in to see our living room, bedroom, dining, mattress, and appliance collections in person. Our friendly team is happy to help you find the right fit.
Saturday: 9:00 AM – 4:00 PM
Sunday: Closed
Ready When You Are
See What You May Qualify For
It only takes a few minutes, and checking won’t affect your credit score.
Financing disclosure: Financing is provided by third-party financing providers, not by Kirkland Home Furniture. Pre-qualification is not a guarantee of approval or of any particular financing terms. Approval, financing amounts, rates, and terms are determined solely by the financing provider you are matched with, based on the information in your application and the provider’s criteria. Not all applicants will qualify.
Credit inquiry: Pre-qualification uses a soft credit inquiry that does not affect your credit score. If you choose to proceed and formally accept a financing offer, the provider may complete a full application that can involve a separate credit inquiry.
Payment estimates: The monthly and weekly figures shown in the calculator are illustrative examples only and are not an offer, quote, or approval of credit. Monthly estimates assume an 18-month term for illustration; weekly estimates reflect a lease-to-own style calculation. Estimates do not include taxes, fees, delivery, interest, or other charges that may apply, and actual payments will vary based on the provider, product, term, and your application.
Lease-to-own agreements are not loans and may cost more than the retailer’s cash price. See your agreement for full terms. Kirkland Home Furniture, 606 Pendleton St, Waycross, GA 31501 • (912) 285-1944.