Modern, Affordable Home Furnishings

4201 Lincoln Hwy | Matteson, IL 60443

( 708 ) 679 - 6000

Here at Furniture and Mattress Depot, we strive for ways to better serve our customers and make each transaction as convenient as possible. We offer Three types of Financing options, including our
NO CREDIT NEEDED Programs, as well as a FREE Layaway Program. We accept all major credit and debit cards. For more information, Please look over the following for details.   

                                                  Financing: No Credit Needed Programs

Progressive Financing-   

Progressive is a No Credit Needed financing option with equal monthly payments. It is a year program with a 90 Days Same-As-Cash payment option. 
Requirements for Progressive include the same proof of income for at least 6 months, and a Checking account that has been open for at least 3 months. Approval amount can range anywhere from $300.00 to $2500.00, depending on the customer's gross monthly income.

American First Finance-

American First Finance It is a year program with a 90 Days Same-As-Cash payment option.  Requirements for American First Finance include:

1)      A bank account that has been opened for at least 30 days.
2)      A debit card tied to this bank account.
3)      Minimum $800-$1000 monthly income.

This is a a credit check program, however there is "No Credit Needed" to get an approval.

-80% Conversion Rate-Instant Approvals

-No Credit Required
-No Product Limitations
-High $Approval Amounts
-No Risk or Recourse

How it Works: It’s fast and easy.

Step 1 - Customer application gets submitted online from home or via your store loan portal.
Step 2 – An instant decision is returned within :45 seconds on the majority of applications.

Step 3 – Once approved, you finalize loan terms based on what the customer wants (loan can include products, services, and sales tax).
Step 4 – Use E-sign or have the customer sign a paper copy which you can upload thru the loan portal.

                                                        Financing: Credit Check Option

Furniture & Mattress Depot Credit Card
through Synchrony Bank-               

Synchrony Financial is a Credit Check Financing option which allows customers to finance their merchandise with up to 4 years, 0% Interest if it is paid in full within the given time. *All customers are subject to a credit check approval. Minimum monthly payments required.

* Must Apply in Person at our Store

                                                                    Layaway Program:

Our layaway is a FREE program with no monthly payment obligations. There are no fees, penalties, or interest charges. It is a 6 month program that can be started with as little as $50.00 down on your entire order. There is not a certain day or amount that is need to be paid once if has been started. Our layaway program may also be transferred over to a financing program if the customer chooses to do so.