Shopping for a new mattress or appliance shouldn’t mean draining your savings in one shot. That’s why Compare Deals offers several leasing options, so you can take your item home today and pay for it a little at a time. Whether your credit is great, thin, or a bit banged up, one of these plans is probably a fit. Let’s walk through each one so you can shop with confidence.

We’re an outlet with two stores in Metro Atlanta, one in Lawrenceville and one in Morrow. Both locations sell mattresses, appliances, and furniture at 60 to 70 percent off retail. Pair those low prices with easy payments, and suddenly a fully stocked home feels a lot more doable. Here’s the breakdown, plan by plan.

Why We Offer More Than One Leasing Option

Here’s the thing: no single finance company approves everybody. So instead of leaving you stuck with one yes-or-no answer, we partner with four different companies. If one program doesn’t work for your situation, another one very well might. That’s the whole point of giving you choices instead of a single locked door.

Because of that setup, our approval rates run high. In fact, many shoppers who got turned down somewhere else find a quick yes right here in the store.

Meet Our Four Leasing Partners

Each leasing option works a little differently, but all four skip the hard credit checks banks use. Here’s a quick look at each one.

American First Finance

A steady, well-known option that looks mostly at income and banking history rather than a credit score. It’s a solid first stop for shoppers who want a straightforward application.

Acima

Known for fast approvals and flexible payment schedules. Acima often works well for shoppers who want to match payments to their own payday.

Snap Finance

Snap is famous for approving a wide range of credit situations, including thin or rocky credit files. Plus, it usually offers an early-purchase option to save money.

Koalafi

Koalafi rounds out the group with quick online pre-qualification, so you can get a rough answer before you even step into the store.

Here’s a fair question: does it matter which one you pick first? Not really. Our team has run thousands of applications through all four, so we already have a good feel for which leasing option tends to click with which kind of shopper. Tell us a bit about your situation, and we’ll point you toward the plan most likely to say yes on the first try.

How to Pick the Right Leasing Option

Good question, and honestly, there’s no wrong answer here. Our team will walk you through all four and help you compare.

Consider one of our leasing options if you:

• Want to take an item home today, not next week
• Have low credit, no credit, or a thin credit file
• Prefer small payments that match your pay schedule
• Like the idea of an early payoff discount
• Need to furnish more than one room at once

See yourself on that list? Then you’re in the right place, and we’re glad you found us.

Applying Takes Minutes, Not Days

Nobody wants to wait around for a slow bank review, and with us, you won’t have to. You pick your item, tell our team which leasing option sounds best, and fill out a short application right in the store. Most decisions come back in just a few minutes.

Here’s what you’ll typically need on hand:

• A government-issued ID
• Proof of steady income
• An active checking account
• A working phone number

Notice what’s missing from that list? A perfect credit score. So even if a bank said no last month, one of our four leasing options may still say yes today. To see every plan laid out side by side, check our full lineup of payment plans before you decide.

Quick recap so far: four partners, minutes to apply, and no perfect credit required. Now let’s talk about why the price you start with matters just as much as the plan you pick.

Outlet Pricing Makes Every Plan Stretch Further

Here’s a little secret retail stores hope you never notice: full-price mattresses and appliances often carry a huge markup. We skip that game entirely. As an outlet, we stock closeouts, floor models, and scratch-and-dent appliances, then price them 60 to 70 percent below retail.

That means whichever leasing option you choose, your payments are based on a much smaller number to begin with. Closeout queen mattresses start at just $399, with premium tiers topping out around $899. New scratch-and-dent appliances carry a 1-year warranty, and pre-owned units come with a 3-month warranty, so you’re never gambling blind. Browse our closeout mattress collection to see today’s prices for yourself.

Think about it this way. A leasing option applied to a full-price item stretches a big number into payments that still feel big. However, that same plan applied to our outlet pricing turns into payments most budgets can absorb without a second thought. So the math genuinely works in your favor twice over: a lower starting price, then a payment schedule on top of it.

The Honest Trade-Offs

We like to keep things straight with you, so here it is: leasing options usually cost a bit more over the full term than paying cash up front. That extra covers the convenience of low or no money down and skipping the credit check.

However, most of our leasing partners offer an early-purchase or early-payoff deal. Settle your balance inside that window, and you can wipe out most of the extra cost. For a plain-language, unbiased explainer on how these agreements work, the Consumer Financial Protection Bureau has a helpful guide worth a quick read. Ask our team plenty of questions too. A good leasing option should feel like a relief, never a trap.

What You Can Take Home With a Leasing Option

Almost everything on our floor qualifies, so you’re not limited to just one item.

Popular combos our shoppers build:

• A mattress and adjustable base together
• A matching washer and dryer set
• A full kitchen bundle: fridge, range, and microwave
• Living room furniture alongside a new bed

Because our leasing options cover the whole store, you can knock out a big shopping list in one visit instead of stretching it across months. For a deeper look at how appliance plans work specifically, our appliance lease-to-own guide covers it step by step.

Come In and Compare Them Yourself

The easiest way to pick a leasing option is to see all four laid out in front of you. Our Lawrenceville store is open Monday through Saturday, 9 a.m. to 7 p.m., and Sunday 10 a.m. to 4 p.m. Our Morrow store is open Monday through Saturday, 10 a.m. to 7 p.m., and Sunday 11 a.m. to 5 p.m.

Not sure which store is closer? Our store hours and directions page has both addresses ready to go. Stop by, tell us what you need, and we’ll match you with the leasing option that fits your life best.