Skip to Main Content
view cart 0

Credit & FINANCING

Buy Today, Pay Over Time

Apply today for a Home Inspiration card and receive up to 6 years (72 months) with no interest with equal payments**
Special order merchandise requires 25% down.
Minimum purchase $3999. Shorter terms are available for purchases lower than $3999.

100% Credit approval is our Goal!

Finding quality furniture for your home is an important investment. At Coconis Furniture & Mattress 1st, we strive to make that investment affordable for all families. That's why we offer furniture financing so you can bring home the perfect living room furniture, dining room furniture, office furniture, kids room furniture, accent furniture, or other furniture while making monthly payments. Stop into our showroom if you have any questions, otherwise, the application is available online for your convenience.

Financing Program Advantages

Convenient Monthly Payments

  • Open Line of Credit - for all your purchasing needs

  • Simple and Secure Application Process

  • Quick Credit Decision

  • Online Account Management


Mariner Finance

Local Financing with Mariner


We offer FEE-FREE Layaway!

No hidden interest or fees

  • Enjoy financial freedom with no debt

  • No application, simply ask your sales specialist about layaway options

  • Everyone qualifies with as little as 10% down

  • Make payments online, over the phone, or in-person

Financing FAQ's

Can I get my order same-day when I use Financing?

Absolutely! Apply online or in-store and get a same-day decision. Once you're approved, enjoy an easy shopping trip with one of our knowledgeable sales specialists.

Do I need to make payments if my purchase is back ordered?

When you make your purchase you will sign a pre-funding agreement, and your salesperson will go over your order with you. You will be obligated to make payments on your furniture even if it is back-ordered. We understand this can feel frustrating, so If you would like to begin payments after your furniture has arrived in our warehouse, you absolutely can! We would require 5-10% down, to hold your merchandise and finalize your financing in-store before your in-home delivery.

Coconis Furniture "makes it easier" to purchase the furniture you desire by offering special financing with terms that are great for any budget.

Right now, special financing is available for up to 6 years on some plans. Other special financing terms are available for 6 months, 1, 2, 3, 4, or 5 years.*

Note: Special and Custom Orders do require a down payment. See store for details. Credit applications are completed online or in-store. *Offer subject to credit approval. Some restrictions apply. Ask for details.

**0% APR 72 Months with Equal Payments: Minimum purchase $3,999. 0% APR from date of eligible purchase until paid in full. Monthly payment is the purchase amount divided by the number of months in the offer. Last payment may vary due to rounding. On-time payments will pay off the promotional balance. Advertised monthly payment amount excludes taxes, delivery, or other charges. Other transactions and charges affect total monthly payment amount. Prior purchases excluded. Account must be in good standing. Standard account terms apply to purchases that do not qualify. New accounts: Standard Purchase APR 29.99%. Minimum interest charge $1. Existing accounts, see your credit agreement for applicable terms. Subject to credit approval. Home Inspiration financing account issued by TD Bank, N.A