No Credit Needed!

Take your furniture home TODAY for $50 with Low Easy Payments

Plus 101 Days Early Payoff Option for Retail Installment Contracts

Text "YES" to 41806 to apply today!

No credit needed - bring your furniture home now, with low easy payments.*

Get Your Furniture Today


Step 1

Fill Out Your Application

Step 2

Stop Into One Of Our Stores

Step 3

Take It Home Today!

We offer instant approvals on payment plans! No credit? No problem. Streamline your application process by applying ahead of time in the comfort of your home. Then, bring in any approval paper work and questions to your local Surplus Furniture and Mattress Warehouse store. Our employees are happy to help answer any questions you have!

*“No Credit Needed” does not mean or imply that no inquiry will be made of credit history or credit worthiness. We may check credit history and credit worthiness, but no established FICO score or credit history is necessary.”

“$50 processing fee or initial payment may apply. Not Available In New Jersey”

Provided by American First Finance.
American First Finance

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Or Contact Customer Support for American First Finance at 1-855-721-1188

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Terms and Conditions

Service described is a retail installment Contract Program. The initial payment is $50. All remaining contract payments will be determined by the amount financed for the bill of sale, the APR, the frequency of payments, and the contract term. Subject to approval. For details visit


"The down payment is $50. The annual percentage rate (APR) ranges from 55% to 280%. For example, you could receive a retail installment contract for an amount financed of $1,000 with an APR of 157.92%. In this example, you will receive $1,000 and will make 11 monthly payments of $159.50 and 1 monthly payment of $157.92. The total amount repayable would be $1,912.42. Your APR will be determined based on your credit at time of application. Your actual terms depend upon credit score, amount financed, contract term, payment frequency, and credit usage and history. There is no prepayment penalty. All retail installment contracts via American First Finance Inc. have a minimum repayment term of 6 months or longer.”