Finance options in Harwin Furniture
Eligibility requirements
We don't ask a lot. Our application is simple and easy to complete.
Income History
Do you have a three-month history with your current employer or source of income?
Monthly Income
Do you deposit $1,000 or more into your checking account each month?
Checking Account
Have you had a checking account for at least 90 days?
Checking Activity
Is your checking account free from NSFs, excessive overdrafts, and negative balances?
Flexible payment options
Our weekly, bi-weekly, twice monthly, or monthly lease renewal payment schedules are designed to align with your paydays.
Pay Over 12 Months
Choose to make all lease renewal payments to align with your payday and own the property in 12 months.
90-Day Purchase Option
Save big by paying off in under 90 days.
Early Purchase Discount
Payoff after 90 days and save 25%
or more on all outstanding payments.
We'll Report Your Lease Activity
No Credit Needed
While many traditional lenders may not take a chance on you - we will. Consider applying if you have low or no credit.
Credit Reporting
Partnering with credit bureaus, including Experian, means we can report your payment history directly to these bureaus.
It takes less than 3 minutes to apply and the response is instant
Everything is completed through a secure mobile link and there’s no paperwork to complete
If you’re on the go, go mobile. Use your smartphone to quickly apply wherever you are
Koalafi Credit 120 Day
Early Purchase Option
A fresh approach to financing
Got fantastic credit? Great! Not-so-good credit? We’ve got payment plans for you too. No credit? Koalafi is the perfect place to start.
High approval rates
How do we have one of the highest approval rates in the industry? Simple: we put sophisticated technology to work on your behalf and look at more than just your credit score.1
No surprises, no gotchas
When you sign up for a Koalafi plan, we tell you everything up front: total cost, scheduled payments, and any other fees.
https://dealer.koalafi.com/ApplicationForm/IntroScreen?publicStoreId=1970a5d2-4708-4eb3-b6e2-b82358dd229a&cm=Copy
Klarna (Available at Checkout)
Shop now, pay later with Klarna!
We’ve partnered with Klarna to provide you with easy payment options at checkout, so you can buy what you want, when you want. It’s smooth and simple Select Klarna at checkout to buy now and pay later. Spread the cost of your purchase over time with convenient, stress-free payment options. It is easy, safe to use, and you’re always covered by Klarna’s Buyer Protection.
You shop, you choose how to pay.
4 interest-free installments
Split your purchase into 4 equal payments so you can spread the cost of your purchase over time. Enter the credit or debit card of your choice for automatic payments every two weeks. No interest or added fees when you pay on time!
Monthly Financing
Apply for easy monthly financing directly in the checkout. A simple, 2-step application will provide an instant approval decision. Once you’ve been approved, you’ll receive reminders and can manage your payments directly in the Klarna App.
Making payments
Review your latest purchases and pay any open balances by logging into your Klarna account at https://app.klarna.com/login. You can also chat with Klarna customer service 24/7 in the Klarna App.
Safe and secure
Klarna uses the latest safeguards and security to protect your information and prevent unauthorized purchases. You have zero fraud liability with Klarna’s Buyer Protection policy.
Shop pay (Available at Checkout)
BUY NOW, PAY LATER
Pay your way
Choose interest-free payments up to 12 months, or pay with
ZIP (Available at Checkout)
Buy it today, pay for it in 4 installments.Shop anywhere and choose Zip at checkout to pay later. You'll pay the first installment upfront, and the rest over 6 weeks.
LAYAWAY
Join our Layaway Program! We offer a 90-day layaway program with a 30% deposit. The amount owing after the deposit will be divided into 3 payments which must be made every month. Visit our store for more details about our Layaway Program.