Financing & LEASING OPTIONS
Explore our CONVENIENT financing & LEASING options | Apply online or in-store and get financing today
Credit / Financing Options
Cardi’s Furniture & Mattresses credit card by Synchrony Bank
- Special Financing available* with Convenient Monthly Payments
- Special in-store and online deals
This is a revolving credit limit that can be used for any purchase up to the maximum amount of credit approved.
See if you PreQualify:
Already have a Cardi’s Furniture & Mattresses credit card?
BRAND NEW! If you are already a Cardi’s Furniture & Mattresses credit card holder, you can now shop online using your card.
Just click
at checkout.
Want to shop in store? Click here to find a location near you.
Synchrony bank is our most flexible financing option. Upon application approval, you’ll be issued a Cardi’s Furniture & Mattresses Charge Card or you can use your Synchrony Home card. Choose from multiple special furniture and mattress financing options. Available to qualified customers with a qualifying purchase. You can even manage your account online. Get started and apply today!
No Interest for 48 months***
On qualifying furniture and mattress purchases made with your Cardi’s Furniture & Mattresses credit card between 3/18/2026 – 3/30/2026. 48 Equal monthly payments required. A minimum 25% deposit on custom orders. Deposit cannot be made on the Cardi’s Furniture & Mattresses credit card.
***Qualifying purchase amount must be on one receipt. No interest will be charged and equal monthly payments are required on promo purchase until it is paid in full. The payments equal the amount financed divided by the number of months in the promo period, 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. During the last month(s) of the promo period the required monthly payment may be reduced due to the prior months’ rounding. Regular account terms apply to non-promo purchases. New Accounts as of 7/31/2025: Purchase APR 34.99%. Penalty APR 39.99%. Min Interest Charge $2. Existing cardholders: See your credit card agreement terms. Subject to credit approval.
9.99% APR for 72 months ****
On purchases made with your Cardi’s Furniture & Mattresses credit card between 3/18/2026 – 3/30/2026. No minimum purchase required. Fixed monthly payments required for 72 months. A minimum 25% deposit on custom orders. Deposit cannot be made on the Cardi’s Furniture & Mattresses credit card.
****Qualifying purchase amount must be on one receipt. 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 1.8521% 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. During the last month(s) of the promo period the required monthly payment may be reduced due to the prior months’ rounding. Regular account terms apply to non-promo purchases. New Accounts as of 7/31/2025: Purchase APR 34.99%. Penalty APR 39.99%. Min Interest Charge $2. Existing cardholders: See your credit card agreement terms. Subject to credit approval
Cardi’s Furniture & Mattresses is pleased to offer you an opportunity to apply for a Concora Credit Account.
- Special financing available
- Credit lines up to $6,000
- Revolving lines of credit
- Instant credit decision
Low or No Credit Options
- The No Credit option
- Instant decision
- Easy payment options
- Early purchase savings
Acima Leasing:
How do I make payments?
Easily access lease account information online at customer.acima.com or call (801) 297-1982. During the lease origination process, you agree to make payments automatically using the bank account or card provided in your application.
Shop today, all without credit. Acima’s flexible, lease-to-own solutions provide up to $4,000 to help you take home the things you need. Acima makes it possible by giving you instant shopping power all while providing you with the flexibility to make payments that are scheduled with your payday. The advertised service is a rental or lease purchase agreement provided by Acima. It is not a loan, credit, or financing. Acquiring ownership by leasing costs more than the retailer’s cash price. Not available in MN, NJ, WI, WY. Participating retailer locations only. Not all applicants are approved. See lease for details.
Pay at your own pace
With Affirm, split purchases into 4 interest-free payments every two weeks or longer-term monthly payments.
When inspiration strikes, Affirm helps you say yes without giving up financial control. Select Affirm at checkout to split your purchase into 4 interest-free payments, or select a monthly installment plan over a time period that works best for you.
How Affirm Works
Pay over timeRates from 0–36% APR. Payment options through Affirm are subject to an eligibility check, may not be available everywhere, and are provided by these lending partners: affirm.com/licenses. Options depend on your purchase amount, and a down payment may be required. CA residents: Loans by Affirm Loan Services, LLC are made or arranged pursuant to a California Financing Law license. For licenses and disclosures, see affirm.com/licenses.
| FAQs |
|---|
| Can I pay off my purchase early? Yes! There’s no penalty for paying early. |
| How do I make my payments? You can make or schedule payments at affirm.com or in the Affirm app for iOS or Android. Affirm will send you email and text reminders before payments are due. |
| Can I return an item I bought with Affirm? Yes – you can return an item you bought with Affirm by initiating the return process with the store. |
| Does checking my eligibility affect my credit? No, your credit won’t be affected when you create an Affirm account or check your eligibility (including checking your pre qualification eligibility). When you apply for or check to see if you prequalify for Affirm financing, it’s considered a soft inquiry, which does not affect your credit. If you decide to pay with installments through Affirm, your payment plan and repayment activity may be reported to credit bureaus. You can find more information on Affirm’s Help Center. |
| Do I need a mobile number to use Affirm? Yes, you’ll need a mobile phone number from the U.S. or U.S. territories. This helps Affirm verify it’s really you who is creating your account and signing in. |
| Where can I learn more about Affirm? You can visit their website at affirm.com. |
‡ Financing details:
Additional offers may be available that are not listed above. Subject to credit approval by each lender.
*Subject to credit approval
†No Interest is Paid in Full within 6 or 12 months. On qualifying furniture and mattress purchases made with your Cardi’s Furniture & Mattresses credit card between 3/18/2026 – 3/30/2026. Minimum monthly payments required. A minimum 25% deposit required on custom orders. Deposit cannot be made on the Cardi’s Furniture & Mattresses credit card. Qualifying purchase amount must be on one receipt. No interest will be charged on the promo balance if you pay it off, in full, within the promo period. If you do not, interest will be charged on the promo balance from the purchase date. The required minimum monthly payments may or may not pay off the promo balance before the end of the promo period, depending on purchase amount, promo length and payment allocation. Regular account terms apply to non-promo purchases and, after promo period ends, to the promo balance. New Accounts as of 07/31/2025: Purchase APR 34.99%. Penalty APR 39.99%. Minimum interest charge $2. Existing cardholders: See your credit card agreement terms. Subject to credit approval.
***No Interest for 48 months. On qualifying furniture and mattress purchases made with your Cardi’s Furniture & Mattresses credit card between 3/18/2026 – 3/30/2026. 48 Equal monthly payments required. A minimum 25% deposit required on custom orders. Deposit cannot be made on the Cardi’s Furniture & Mattresses credit card. Qualifying purchase amount must be on one receipt. No interest will be charged and equal monthly payments are required on the promo purchase until it is paid in full. The payments equal the amount financed divided by the number of months in the promo period, 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. During the last month(s) of the promo period the required monthly payment may be reduced due to the prior months’ rounding. Regular account terms apply to non-promo purchases. New Accounts as of 07/31/2025: Purchase APR 34.99%. Penalty APR 39.99%. Min Interest Charge $2. Existing cardholders: See your credit card agreement terms. Subject to credit approval.
****9.99% APR for 72 months. On qualifying furniture and mattress purchases made with your Cardi’s Furniture & Mattresses credit card between 3/18/2026 – 3/30/2026. No minimum purchase required. Fixed monthly payments required for 72 months. A minimum 25% deposit required on custom orders. Deposit cannot be made on the Cardi’s Furniture & Mattresses credit card. Qualifying purchase amount must be on one receipt. 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 1.8521% 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. During the last month(s) of the promo period the required monthly payment may be reduced due to the prior months’ rounding. Regular account terms apply to non-promo purchases. New Accounts as of 07/31/2025: Purchase APR 34.99%. Penalty APR 39.99%. Min Interest Charge $2. Existing cardholders: See your credit card agreement terms. Subject to credit approval.