You can apply using a variety of Financing options. A Quality Team Member is ready to help you!

Quality Furniture offers 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!

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 always ask for a down payment so if you don't currently have a down payment in the budget keep scrolling for our other options :)


Click here to apply online for In House Financing


Quality Furniture Associates are Ready to Help

We're wanting to work with you!

We're here for your questions. Our friendly staff can process your payment online, by phone, or most importantly in person! We're always ready to help.

Questions? Contact our friendly staff today.

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.

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. Contact Us today!

Will Quality Furniture work with me down the road?

Of Course! We’ve been owned and operated in Mesquite since 1975 - 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.

We perform a credit check but regardless of your credit situation we can approve everyone for something at Quality Furniture & Appliance. Down payment requirements range anywhere from 10% to 50% of the merchandise with several no interest financing options available.

No Down Payment? No Problem! We have many flexible options for all credit types.


Click here to get prequalified for our Deferred Interest Special Financing from Wells Fargo:


Come in the Store for 12 Months Deferred Interest Special Financing from Synchrony

It's your own Quality Furniture Credit Card!

There are many benefits that can save you money.

Purchase APR is 29.99%; minimum interest charge is $2. Subject to credit approval. Offer valid for consumer accounts in good standing; subject to change without notice. See finance agreement for details. Many not be combined with any other credit promotion offers.



No Credit Needed- 90 Day Payment Option

Got a Checking Account? Then it's Simple!

Apply online now - If you're approved, simply bring in your application's approval number, your photo ID and the required items listed in the FAQ section to any Quality Furniture store.

Call or visit a Quality Furniture location for complete details.

If you're one of the many people who prefer not to carry credit cards or prefer not to have your credit checked, the Quality Furniture no credit check payment plan may be right for you. Plus, this program has a special provision that enables you to avoid paying any interest if the purchase is paid off in 90 Days. And with only $49.99 initial payment you can take it home today!

Frequently Asked Questions

What are the requirements needed for the No Credit Check payment plan?

Income requirements

  • Must be employed for 6 months at the same employer
  • Must earn minimum income of $1000 per month (gross)

Checking Account Requirements

  • Open and active for 3 months
  • No NSF Checks for the last 30 days
  • $500 per month of deposits and regular activity
  • Does not end with a negative balance

You MUST come to the store prepared with proof of identification.




Flexible Layaway Options


Quality Furniture offers a flexible in-store layaway payment plan. Simply pay 20% of the total purchase as a deposit. Then make minimum payments of your remaining balance each month for 6 months.

Pricing is guaranteed under this plan for 6 months and you can arrange for pick-up or delivery of your purchase once the balance is paid in full. Product availability cannot be guaranteed, but all deposits and payments are transferable to any other products you select.

Payment Options

We also accept cash, check, or the following credit cards