🛋 Flexible Financing Options at Hometown Furniture Stores

At Hometown Furniture Stores, we want to make it easy for every customer to take home the furniture they love—without breaking the bank. That’s why we offer a range of financing and lease-to-own options, designed to fit a variety of credit and income situations.

Whether you have excellent credit, are just building yours, or prefer an income-based option, we’ve got you covered.

Here’s a breakdown of what’s available:

💳 1. Synchrony HFA Loans (Synchrony Bank)

• Primary financing option used in-store.
• Application Info:
  • Completed easily on a smartphone.
  • Requires a valid email address.
  • Involves a hard credit pull.
• Approval Potential:
  • Offers financing up to $15,000.
• Repayment Options:
  • 12 or 24 months interest-free (if qualified).
  • Interest-bearing plans up to 72 months.
  • Interest rates are generally in line with typical credit cards.
• Customized Terms:
  • Loan offers are based on the individual’s credit history and Synchrony’s assessment.

🧾 2. Fortiva Retail Credit (Backup Financing Option)

• Automatically runs if Synchrony is not approved.
• Designed for customers who need more flexible credit criteria.
• Approval Potential:
  • Offers financing up to $5,000.
• Interest & Terms:
  • Interest-bearing accounts with slightly higher rates than Synchrony.
  • Offers multiple repayment terms.
  • Includes some early payout options with interest deferral benefits.

🏦 3. 1st Franklin Financial (Local Bank Partner)

• Financing offered through a local branch (based on store location) or their national call center.
• Application is completed in-store with the help of a friendly sales associate—typically takes just a few minutes.
• Application Requirements:
  • Hard credit pull.
  • 2 years of employment history.
  • 2 years of residential history.
• Approval Potential:
  • Financing available up to $11,000.
• Loan Terms:
  • Interest rates, equal payment options, and loan terms are based on the consumer's credit history.
  • May include equal pay / no interest options, if qualified.

🔄 4. Lease-to-Own Options: SNAP & Progressive Leasing

• Ideal for customers who may not qualify for traditional credit-based loans.
• Both options are income-based, not credit-based.
• Application Details:
  • Quick and easy to complete on a smartphone.
  • Requires a valid email address.
• Requires:
  • Bank routing and account number
  • Active debit card connected to that account
• Flexible Terms:
  • Designed to allow you to lease your furniture with the option to own it over time.
  • Payments are set based on your income.

🤝 We're Here to Help

We understand that with multiple financing options, things can feel a little overwhelming. If you have any questions—or if we didn’t cover everything here—we warmly invite you to visit us in-store. One of our knowledgeable and friendly sales professionals will be more than happy to guide you through the process and help you choose the best option for your needs.

Thanks for shopping local!

– Matt Pridemore and Jeremy Kirksey
Local Owners of Hometown Furniture Store of Thomasville