Ways to Pay · Mesquite, TX · Since 1975
Pick the path that fits.
Five financing partners, sorted by what tends to fit who. No application gate to see your options — just scroll down. We've helped thousands of North Texas families pick the right path.
Two of the most common paths
For established credit
0% promotional financing — Synchrony Home
Promotional 0% APR on qualifying purchases when you pay within the promotional period.*
No credit history needed
Lease-to-own — Acima
Acima looks at income and banking history, not your credit score.
We've been furnishing homes across North Texas since 1975. Whether you're paying in full or spreading payments out, here are the paths we offer — sorted by what tends to fit who. Pick the one that fits, or call us at (972) 288-9322 and we'll walk you through it.
Path 1 · Pay in full
Cash, debit, or credit card
Cash, debit, and all major credit cards. At the Mesquite showroom or at qualityhome.com — no application, no hoops.
Path 2 · 0% promotional financing
For established credit
Synchrony Home
Our primary financing partner. Promotional 0% APR terms on qualifying purchases. The best fit if you have an established credit profile and want a clean monthly payment plan.
- Promotional 0% APR on qualifying purchases*
- Long-term plans for larger purchases
- Quick application at the showroom
- Standard purchase APR applies after promo period
*See disclosure below. Subject to credit approval by Synchrony Bank.
Path 3 · Pay over time
Shorter, defined plans
Affirm
Pay over 6 to 12 months with no surprises. Quick pre-qualification with no impact on your credit score to check eligibility. Best when you want a defined plan and a known total cost.
- 6 to 12 month plans, known total cost up front
- Pre-qualify without affecting your credit score
- Online: pay via Shop Pay at qualityhome.com checkout
- In the Mesquite showroom: get a virtual Affirm card before you visit and use it like any credit card at the register
Pre-qualification doesn't affect your credit score. Final terms set at checkout.
WeGetFinancing
An alternative pay-over-time path built into online checkout. Pre-qualify in minutes — one application, multiple lender offers, fast decisions.
- Single application, multiple lender offers
- Fast decisions, secure process
- Available at qualityhome.com checkout
- No need to come into the showroom first
Available during online checkout. Subject to lender approval.
Path 4 · Second-look financing
If Synchrony isn't quite the fit
Fortiva
Our second-look option. They often consider applications Synchrony doesn't — useful if your credit history is still being built or recently took a hit. Fortiva is offered through the Synchrony application flow at the showroom; if Synchrony isn't a fit, the Fortiva option is presented automatically.
- Considers applications Synchrony declines
- Useful if credit history is recent or rebuilding
- Offered automatically through the Synchrony flow at the showroom
- Ask for Fortiva when applying in-store
Subject to Fortiva's separate credit approval terms. Reach Fortiva through the in-store Synchrony application.
Path 5 · Lease-to-own
No credit history needed
Acima
Acima is a lease-to-own program, not a credit application. They look at your income and banking history instead of your credit score. Plain English: a pay-over-time path that doesn't depend on your credit file.
- Income and banking history reviewed (not credit score)
- 90-day same-as-cash early-payoff option
- Flexible weekly or monthly payments
- In-showroom approval in minutes
Acima is a lease-to-own program, not a lender. Terms vary. "No credit-score check" programs may review alternative data.
Quality Home options
No lender required.
Layaway
Found the piece you want but the timing isn't right? Put a deposit down and we'll hold it — so when your house closes or the room is ready, your furniture is waiting. No lender, no application, no credit pull.
- Hold any in-stock piece with a deposit
- Ideal for buyers waiting on a house to close
- Pay it off on your schedule
- Ask in-store for current deposit terms
Special Order Deposit
Ordering a custom piece — your fabric, your finish, your configuration? We ask for half down to start production. The remainder is due at delivery. No financing required, no surprises.
- 50% deposit starts your custom order
- Balance due at delivery
- Available on all special-order pieces
- Can be combined with financing for the balance
Still not sure?
Call our Mesquite team. We'll walk through it.
Open Mon–Sat 10am–7pm · Sun 12pm–6pm. No pressure, no commission-driven push toward one lender. We've helped thousands of North Texas families pick the right path.
Ready to shop?
Cash and personal checks accepted in-store at 227 US Hwy 80 E, Mesquite, TX.
Every piece we sell at Quality Home Furniture comes with a 4-year protection plan, included — not an upsell at checkout. Family-owned in Mesquite since 1975.
Financing Disclosures
*Promotional Financing (Synchrony Home): Promotional 0% APR offer applies to qualifying purchases. Subject to credit approval by Synchrony Bank. Minimum monthly payments required during the promotional period. Promotional offer may not be available at all times or on all products. If the promotional balance is not paid in full within the promotional period, interest will be assessed on the promotional balance from the purchase date at the standard purchase APR. See store associate for current promotional terms (typical no-interest-if-paid-in-full periods range from 6 to 60 months) and the standard purchase APR. Financing provided by Synchrony Bank.
Fortiva Retail Credit financing offers are subject to Fortiva's separate credit approval terms and conditions. Fortiva is presented as a second-look option through the in-store Synchrony application flow.
Affirm and WeGetFinancing are third-party lenders. Affirm is integrated with our online checkout and available at the Mesquite showroom; WeGetFinancing is available during online checkout. Each is subject to its own approval terms and conditions.
Acima is a lease-to-own program, not a lender. Acima evaluates alternative data including income and banking history instead of credit score. Terms vary by program. Lease-to-own ownership transfers only after all required payments are made.
Quality Home Furniture is not a lender. We work with the third-party financing partners listed above and do not extend in-house credit. All financing decisions are made by the listed third-party providers.
Quality Home Furniture · 227 US Hwy 80 E, Mesquite TX 75150 · (972) 288-9322