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Financing Available for Everyone - APPLY ONLINE >>>
Financing Available - Apply ONLINE >>


Gate Furniture has partnered with several financial services companies to offer our customers a lot great financing options.

Option 1 -  Snap Finance (Online Application)

Bad credit. No credit. Bankruptcy. Snap is your No Credit Needed financing partner! Has your credit score taken a hit? Have you been denied traditional financing? Or maybe you don't have any credit history, good or bad? Don't worry, you're not alone! Getting financing can be difficult. Snap is here to help.

Snap Leasing Requirements:

  • 3 Months of history with current employer or current source of income.
  • Deposit at least $1000 per month into a checking account that has been open for 90 days or more.
  • No NSFs, excessive overdrafts, or negative balances on your current checking account within the past 30 days.
  • Must be 18 years or older to apply and must have a valid SSN or ITIN.

Low Initial Payment of $10, plus a cost of lease


Snap Finance will setup an auto draft for 12 months. However, you can acquire ownership of the merchandise if within 100 days you pay the amount equal to the cash price of the merchandise, plus sales tax, any applicable processing fee, and any other fees (or, if applicable, a lease charge that will be clearly defined in your agreement and agreement summary). You must take action to exercise and complete the 100-Day Option by making a lump-sum payment through the Customer Portal or by calling Snap’s Customer Service at (877)-557-3769 to schedule payments.

Once you complete the Snap Finance Online Application, you will get an answer instantly.



 For the customer, who would like to apply to Snap Finance from New Jersey please click the link below to initiate application process.





Option 2 – West Creek / Koalafi (Online Application)

- High approval rates

Don’t let credit issues stop you from buying what you want. With West Creek’s high-tech, innovative decisioning and 82% approval rate, there’s a good chance you’ll be instantly approved for financing, even if your credit score is low.

Once you complete the West Creek Online Application, you will get an answer instantly.




Option 3 – Progressive Leasing (Online Application)


As easy as 1-2-3. No credit needed.*

A three-digit number doesn’t tell your story. That’s why every Progressive Leasing approval is NO CREDIT NEEDED.

*Progressive Leasing obtains information from credit bureaus. Not all applicants are approved

 Convenient, automatic payment options: Get paid weekly, every other week, or monthly? Easy payment options and automatic withdrawals accommodate your payday schedule.

 To apply you will need:

  • Social security number or ITIN
  • Bank account details: Checking account & routing number
  • Credit or debit card
  • Government issued photo ID
  • To be 18 years or older

 Once approved, go shopping at your favorite stores

Take your merchandise home same day or arrange for delivery

Simple, automatic payments. Schedule your payment around your paydays


The standard lease-to-own agreement offers 12 months to ownership and could cost more than double the cash price

Initial payment:

The initial payment is the first lease-to-own payment and is part of the 12-month lease-to-own total cost

Early purchase options: 

In addition to acquiring ownership by making all scheduled payments, you may exercise one of Progressive’s early purchase options, as described in the Lease. 

Customers are automatically enrolled in the standard Lease agreement that auto-renews for up to 12 months. 

You can follow the steps required to set up or exercise the 90-day purchase option (Standard agreement offers 12 months to ownership. 90-day purchase options cost more than the retailer’s cash price (except 3-month option in CA). To purchase early, call Progressive at 877-898-1970 or visit the website,


Option 4 – Synchrony HOME Credit Card (Online Application)

Enjoy promotional financing with a Synchrony HOME Credit Card!*

  • Synchrony HOME offers purchasing power with one card
  • Accepted at thousands of retailers from furniture, decor, appliances and more

6, 12, 24 Months Promotional financing available* ….on purchases of $299 or more with your Synchrony HOME Credit Card.
*Subject to credit approval. Minimum Monthly Payments required.

Apply today!

Deferred Interest Promotions

 “No Interest if Paid in Full”

  • Minimum monthly payments are required, which may or may not pay off the promotional purchase by the end of the promotional period. This means in order to pay the promotion in full before the end of the promotional period, the cardholder may need to pay more than the minimum monthly payments.
  • If monthly payments are made by their due dates and the purchase is paid in full within the promotional period, interest is not assessed on the promotional purchase.

Reduced Interest Promotion

“Fixed Pay”

  • A reduced interest rate is charged on the promotional purchase, regardless of the length of promotion
  • Monthly payments on promotional purchase are the same every month