New furniture shouldn't have to wait until you've saved up the full price. At Palacio Furniture, most of our customers in Arlington, Fort Worth and across DFW take their furniture home the same week using lease-to-own — even with no credit history or less-than-perfect credit. Here's how it works, in plain English.
What is lease-to-own?
Lease-to-own (also called rent-to-own) is not a loan or a credit card. A leasing company buys the furniture you choose and leases it to you. You make regular payments, and once your lease is complete — or when you use an early purchase option — the furniture is yours.
Because it isn't traditional credit, approval looks at more than just a credit score. That's why many customers who were turned down elsewhere get approved in minutes.
How it works at Palacio, step by step
1. Apply in about 2 minutes
Apply online from our Financing page or in either showroom. You'll usually get an answer in minutes, along with your approval amount.
2. Pick your furniture
Shop online or visit us in Arlington or at La Gran Plaza in Fort Worth. Our team will help you find pieces that fit your space and your approval amount.
3. Make your initial payment and we deliver
Pay your initial payment — as low as $10* with Acima or American First Finance during our current promotion — and we schedule fast delivery across DFW, with same-day available on select items.
Our programs at a glance
| Program | Initial payment | Good to know |
|---|---|---|
| Acima | From $10* | No credit needed*, 90-day early purchase option* |
| Progressive Leasing | From $49 | No credit needed*, 90-day purchase option* |
| American First Finance | From $10* | All credit welcome*, 110-day early buyout option* |
| Synchrony HOME™ Credit Card | Credit card (not lease) | No interest up to 48 months on qualifying purchases*, subject to credit approval |
Lease-to-own or credit card — which is better for me?
If you have good credit and can pay off the balance within the promotional period, the Synchrony HOME™ card is usually the lowest-cost way to spread out payments. If you have no credit, are rebuilding credit, or just want a fast approval, lease-to-own gets you the furniture now with a small initial payment.
Important things to know
- Financed and lease-to-own orders cannot be canceled once processed, so take your time choosing.
- Exchanges are only possible if approved by Palacio Furniture.
- Your exact payments depend on the items you choose and your approval.
Questions? Text us at 682-583-5157 or call 682-323-4075. Se habla español.
Take your furniture home today
Initial payment as low as $10*. Approval in minutes.
Apply nowShop best sellers*The $10 initial payment (Acima and American First Finance) is a limited-time promotion and may end or change at any time; the standard initial payment is higher. Plus applicable tax. Subject to approval. Lease-to-own is not a loan, credit or financing; acquiring ownership by leasing costs more than the retailer's cash price. Synchrony HOME™ Credit Card is issued by Synchrony Bank and subject to credit approval. See our Financing page for full program details.
