Financing
Furnish Your Home Now.
Pay Over Time.
From living rooms and bedrooms to mattresses and appliances, make the home you love affordable today. See your buying power in seconds with a quick pre-qualification that won't affect your credit score.
See if You Pre-QualifyMultiple Providers • Regardless of CreditWhat could my payment look like?
Example on a $1,500 purchase
Estimates only. Try your own amount with the calculator below.
Simple & Stress-Free
Financing in Four Easy Steps
No paperwork piles, no waiting around. Here's how easy it is to take your new furniture home.
Tap Pre-Qualify
Click any "See if You Pre-Qualify" button to get started in seconds.
Apply Once
Fill out one short, secure application — no need to apply with several companies separately.
Get Matched
Your application is reviewed across multiple financing providers to find your options.
Take It Home
Choose the option that fits your budget and enjoy your new home furnishings.
Shop The Whole Home
What You Can Finance
Outfit every room with the brands and comfort you want — and spread the cost into manageable payments.
Living Room
Sofas, sectionals, recliners, power reclining sets, lift chairs and accent pieces.
Bedroom
Complete bedroom sets, beds, dressers, chests, nightstands and kids' bedroom.
Dining Room
Regular and counter-height dining sets, tables, chairs and barstools.
Mattresses
Innerspring, hybrid, memory foam and mattress-in-a-box in firm, medium and soft.
Appliances
Washers, dryers, dishwashers, ranges, refrigerators and freezers.
Accents & More
Rugs, lamps, wall art, accent tables and the finishing touches that make it home.
Estimate Your Payments
Payment Calculator
Slide to your purchase amount to see estimated monthly and weekly payments. These are estimates to help you plan — your actual terms are set when you pre-qualify.
Estimates are for illustration only and are not an offer, quote, or guarantee of financing, terms, or approval. Monthly estimate based on an 18-month term; weekly estimate is calculated separately. Your actual payment, term, down payment, and provider depend on the offer you qualify for and the option you select.
Why Pre-Qualify Here
Financing Built Around You
Won't Affect Your Credit Score
Pre-qualification uses a soft credit check, so you can see your options with no impact to your credit score.
All Credit Types Welcome
Good credit, building credit, or no credit history — there are options worth checking for many situations.
One Application, Multiple Providers
Apply a single time and your application can be reviewed by several financing providers — no duplicate forms.
Fast, Secure & Simple
The application takes just a few minutes and you'll typically see your options the same day.
Loved By Our Neighbors
What Waycross Is Saying
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Good To Know
Financing FAQs
Does pre-qualifying affect my credit score?
How long does the application take?
What kinds of financing options are available?
Why might I be approved here when another service declined me?
Do I have to apply separately with each provider?
Can I use financing in the store and online?
What can I finance at Kirkland Home Furniture?
Visit Us
Come See Us In Waycross
Stop by the showroom to find your perfect pieces, or pre-qualify online before you arrive.
Kirkland Home Furniture
Waycross, GA 31501