Credit & Financing
We have our own IN STORE/COMPANY BASED IN-HOUSE FINANCING, where we are able to approve EVERYONE for some type of credit.
Length of time in the community, job status, and income level are all things we take into consideration when financing Quality products for our customers.
No matter what your situation, You’re Approved at Quality Furniture & Appliance.
It's not always easy to pay cash for the necessities of life. However, we firmly believe you deserve to enjoy Quality, Name-brand furniture, Appliances, Mattresses, and Electronics and at Quality prices, so we’re here to work with you.
We accept most major credit cards, cash, checks, money orders, and cashier’s checks.
Often customers who want to pay with one or more of these methods are eligible for special discounts.
Customers may pay their bills online, in store, or by phone.
We also offer a NO CREDIT CHECK LEASING PROGRAM through Expert Lease.
Will you explain how your Credit Starter Program works?
Absolutely!
All that you have to do is make your payments on time.
As you continue making your payments, we report your good credit status to the Credit Bureau.
We go on the record, so you can re-build your credit.
By creating a successful payment history with Quality Furniture, you can improve your credit through in house financing or through leasing.
If you are 18 years of age and qualify, we can help you establish solid, enduring credit.
And with a short term contract, you have the opportunity to save a lot in finance.
Any sales Associate will be happy to discuss our Program with you. Just call us at 972.288.9322 for Mesquite or 903.567.4176 for our Canton location. Or you can always stop by our flagship store at 500 N. Galloway Ave Ste 160 Mesquite, Texas 75149.
Will Quality Furniture work with me down the road?
Of Course! We’ve been owned and operated in Mesquite since 1976 - because we offer Quality products and Quality Service for all of our Quality customers! Our in house finance program allows for an individual credit line to grow once we have 6 months good pay history on the account.
Are there any programs other than the Credit Starter Program?
Definitely. Through our flexible Expert Lease program, we have a six month lease agreement with full ownership available as soon as the 7th month.
We offer the most affordable option compared to rent to own.
This program is built to allow customers the ease of rent to own without the astronomical price tag associated with it.
Simply provide your first month’s payment and you’re on your way to ownership.
And with the flexibility of our Lease to own program, you can buy it out on the 7th payment, simply return the merchandise after your sixth payment with no further obligation, or continue leasing.
Apply Online
Can I use the Credit Starter Program/Lease to Own for anything Quality Furniture?
Yes, you can. Quality Furniture will finance anything in the store or through special order, including a wide selection of furniture, appliances, mattresses and electronics.
We carry new, name brand, top quality merchandise including Ashley, Lane, Southern Motion, Catnapper, Sony, Toshiba, LG, Whirlpool, Maytag, Serta and many more.
Once approved, what will I need to bring to the store?
- Driver's License or Valid Government ID
- Pay stub or other proof of income. (SSI or Disability Award Letter)
- Electric bill or other bill in your name at the address you will be living.
- The names, address, and phone numbers for four references not currently living with you.
Quality Layaway
We also offer a 90 Day Layaway plan where all that is required is a 20% down payment and then we leave it up to you to decide how you would like to pay until the 90 days are up. While deposits are non-refundable they are transferable to any item in store and this is the quickest way to lock in the sale price you want!