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Mikano Furniture - Financing
Mikano Furniture - Vineland
Cumberland Mall, 3849 S Delsea Dr, Vineland, NJ 08360
Mikano Furniture - Blackwood
Gloucester Outlets, 100 Premium Outlets Dr, Blackwood, NJ 08012
(856) 440-5563
10,000+ Happy Families Served

Flexible Financing for Your Dream Home

Choose from three trusted financing partners designed to fit every budget and credit situation.

3 Financing Options
0% Promo Financing
5min Quick Approval

Questions About Financing?

Our financing specialists are here to help you find the perfect payment solution. Get personalized recommendations and answers to all your questions.

Talk to a Specialist
Choose Your Path

Three Ways to Finance Your Furniture

Each financing option offers unique benefits. Compare features, terms, and approval requirements to find the perfect fit for your needs.

Synchrony HOME

Premium credit card with promotional financing and rewards

Promotional Financing
6-18 Months 0% APR

Key Benefits

✓
6 months 0% APR on purchases $299-$1,998.99
✓
12 months 0% APR on purchases $1,999+
✓
18 months 0% APR on purchases $5,000+
✓
2% cash back on purchases under $299
✓
No annual fee — use anywhere Synchrony is accepted
✓
Instant decision — approved in seconds
How It Works
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Pre-Qualify Online
Check eligibility with no impact to your credit score
Complete Application
Secure online form takes just minutes
Get Approved
Decision in seconds, shop immediately
Manage Your Account
Track purchases and payments 24/7 online
Important:
Pay your promotional balance in full before the promotional period ends to avoid interest charges.
Pre-Qualify Now

Snap Finance

Lease-to-own solution with early buyout savings

Approval Amount
Up to $5,000

Key Benefits

✓
All credit types welcome — alternative approval process
✓
100-day early buyout option to save on total cost
✓
Lease-to-own — furniture is yours after final payment
✓
Quick approval — decision in minutes
✓
Flexible terms — 12-18 month payment plans
How It Works
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Apply Online or In-Store
Quick 5-minute application process
Get Approved
Decision in minutes, up to $5,000
Shop with Confidence
Know your approval amount before shopping
Take It Home
Lease begins immediately, complete payments or buy out early
Requirements:
Be 18+, have $750+ monthly income, active checking account, and valid ID.
Get Approved Today

American First Finance

No credit needed with low down payments

Special Offer
101 Days No Interest

Key Benefits

✓
No credit needed — approval based on income and ability to pay
✓
Down payments as low as $10-$50 — minimal upfront cost
✓
101 Days No interest — pay in full by end of Day 101
✓
Same-day approval — walk in, get approved, take it home
✓
All credit welcome — everyone deserves great furniture
How It Works
+
Apply Online or In-Store
Quick application process, no credit check
Get Approved
Same-day decision based on income
Make Your Down Payment
As low as $10-$50 to get started
Take It Home Today
Shop immediately, manage payments online
Important:
Pay in full by the end Day 101 to avoid interest. Interest starts accruing on day 102. Standard 5% Origination Fee on all payment plans.
Get Approved Today
Got Questions?

Frequently Asked Questions

Find answers to common questions about our financing options.

Which financing option is right for me?
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Synchrony HOME is ideal if you have good-to-fair credit and want promotional financing or cash back rewards. Snap Finance works well if you want lease-to-own with early buyout options (up to $5,000). American First Finance is perfect if you need approval regardless of credit history with low down payments and 4 months no interest.
How long does approval take?
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Synchrony: Pre-qualification happens in seconds online.
Snap Finance: Approval in minutes, up to $5,000.
American First Finance: Same-day decisions.
Can I apply in-store at your showrooms?
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Yes! Visit either of our showrooms and our team will help you apply for any financing option:

Vineland: 3849 S. Delsea Dr (Inside Cumberland Mall)
Blackwood: 100 Premium Outlets Dr (At the Gloucester Outlets)

Call us at (856) 440-5563 for assistance.
What's the difference between Snap Finance and the other options?
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Snap Finance is a lease-to-own program where Snap purchases your furniture and leases it to you. You own it after completing all payments. The benefit? You can buy out early (within 100 days) and save on overall costs. It's great for customers who want flexibility and can get approved up to $5,000.
Can I use financing for delivery and white glove installation?
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Yes! All financing options can cover your entire purchase, including our White Glove Installation service available throughout the NYC, Philadelphia, NJ, and Delaware areas.
What if I don't get approved for one option?
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No problem! You can immediately apply for another financing option. With three choices, we can help almost every customer find a financing solution that works for their situation.
What's the deal with American First Finance's 4-month no-interest offer?
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With American First Finance, you have 4 months to pay off your purchase with no interest. We recommend paying in full by the end of month 4 because interest starts accruing on day 1 of month 5. This is a great option if you want low upfront costs and plan to pay off your purchase quickly.
Can I pay off early without penalties?
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Yes! All three financing options allow early payoff. Synchrony: Pay $0 interest if paid before promo period ends. Snap Finance: Save significantly with 100-day early buyout option. American First Finance: No early payoff penalties, and we recommend paying in full within 4 months to avoid interest.

Still Deciding? We Can Help

With three different financing options, choosing the right one can feel overwhelming. Our financing specialists will help you compare the options and find the best fit for your budget and credit situation.

Get Help Choosing
Get In Touch

Request Financing Assistance

Fill out the form below and our financing specialists will contact you within 24 hours.

Customer Service

Mon-Sat, 10am-6pm EST.

Call Us

+1 856-440-5563

Get in Touch

Andrew@mikanofurniture.com

Mikano Furniture - Vineland

Cumberland Mall
3849 S Delsea Dr
Vineland, NJ 08360

Mikano Furniture - Blackwood

Gloucester Outlets
100 Premium Outlets Dr
Blackwood, NJ 08012
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