MY CANALES CARD

A seamless and flexible way for you to buy what you want now and pay it back in pieces through predictable, equal payments over a set period of time.

  • Special financing available on qualifying purchases*
  • Simple, secure online application
  • Revolving credit line for repeat purchases
  • Monthly payments to fit your budget
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BUY NOW, PAY OVERTIME

No late fees, no hidden fees, and the time it takes to pay is up to you. Choose from several flexible plans designed to fit your needs.

  • Pay over time with no hidden fees
  • Flexible monthly payments
  • No late fees, ever
  • Quick, secure online application
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  • Credit and No Credit Options

    We understand that traditional credit checks can be a hurdle for some customers. That's why we provide financing options that don't solely rely on credit scores.

    Our credit or no credit needed financing programs take into account various factors beyond credit history, making it simpler for you to get approved and enjoy the furniture you desire.

  • Easy Application

    You have the convenience of applying online from the comfort of your home or visiting our stores to complete the application in person.

    The application only requires basic personal information, and there's no need to undergo a lengthy credit check. This process ensures faster approval, allowing you to access the financing you need promptly.

  • Chat With Us

    At Canales Furniture, our dedicated customer support team is committed to providing exceptional service. They are here to guide you through the financing process, answer any questions you may have, and offer assistance at every step of the way.

    Your satisfaction is our top priority, and we are always ready to go the extra mile to help you make the best furniture choices while accommodating your unique financial needs.
    Text us at (817) 945-6460.

NO CREDIT? NO PROBLEM!

Lease to Own

  • Approvals from $300 - $5,000*
  • Fast & Easy Application 
  • Quick Lending Decision‡
APPLY NOW
  • Approvals up to $7,500**
  • No credit needed for lease-to-own options†
  • Fast, simple online application
  • Flexible payments that fit your budget
APPLY NOW
  • No credit needed†
  • Lease-to-own with easy, recurring payments
  • Approvals up to $4,000**
  • 90-day purchase option available
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  • Approvals up to $5,000**
  • No credit needed†
  • 120-day payoff option with no penalty
  • Easy online application in minutes
APPLY NOW
  • Instant decisions up to $5,000**
  • No credit needed†
  • Flexible lease renewal options
  • Early purchase savings options available
APPLY NOW
  • Approvals from $300 - $5,000**
  • No credit needed†
  • Apply in seconds with instant decision
  • Easy payment plans tailored to you
APPLY NOW

FAQ

What documents do I need to apply?

Typically, you’ll need a valid government-issued ID, Social Security number or ITIN, contact information, and income details. Some providers may also request banking info for setting up payments or verifying eligibility.
What is an Equal Payment Promotion, and how does it work?

With an Equal Payment Promotion, no interest will be charged on the promotional purchase and the same equal payments are required monthly. This monthly payment amount is determined by dividing the purchase price by the number of months in the promotional period. All payments must be made on a monthly due date to avoid late fees.
Can I get approved even if I have bad or no credit?

Yes, many of our financing partners offer flexible approval options, even if you have little or no credit history. Some companies use soft credit checks or alternative approval methods based on income and banking history instead of traditional credit scores. Keep in mind that approval and terms vary by provider and your individual application.
What is a Deferred Interest Promotion, and how does it work?

With a Deferred Interest Promotion, a minimum monthly payment is required, and varies based on your balance and account terms. No interest will be charged on the promotional purchase if you pay the purchase amount in full within the applicable promotional period.Interest will still accrue at the standard rate for your account. But it is only assessed if you don’t pay the purchase balance within the promotional period. If you only make the minimum payments, you may not pay off your purchase by the end of the promo period. To avoid accrued interest, you must pay in full before the end of the promotional period.
How do I make my payments after I’m approved?

Once approved, you’ll receive instructions directly from the financing provider. Payments are usually managed through their app, website, or automatic withdrawals. Canales Furniture does not handle payments.

*Approval is possible without a credit score, but credit will be checked.

‡Decisions may take additional time and not be same day, including if more information is needed to complete an application.

**Approval amounts and eligibility subject to verification

†No credit needed does not imply no credit check; creditworthiness and other factors may be considered.

Rates are between 0-30% 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/lenders. Options depend on your purchase amount, and a down payment may be required. Estimated payment amount may exclude taxes and shipping. For licenses and disclosures, including information for New Mexico residents, see affirm.com/licenses. CA residents: Loans by Affirm Loan Services, LLC are made or arranged pursuant to a California Financing Law license.