Getting started is simple. No credit is required, and you can enjoy flexible lease-to-own options that fit your budget. We’ll confirm your order, match competitor prices when possible, and deliver your items quickly—setup included.

Your first payment gets you started, and future payments are easy to manage. Pay online, by text, or in-store—whatever works best for you. You can even adjust your due date, set up automatic payments, or pay ahead. We keep billing flexible, transparent, and stress-free.

Choose the path to ownership that works best for you. Take advantage of our Same-As-Cash option, Early Purchase Discounts, or simply continue with your regular payments until the item is yours. No hidden fees, no surprises—just clear ownership choices.

Our LDW option protects your rental items against unexpected accidents or damage. Even if you have renter’s or homeowner’s insurance, LDW provides added security. It’s affordable, flexible, and helps you avoid unexpected costs.

With our Royalty Rewards program, every payment gets you closer to exclusive perks. Signing up is quick, and once enrolled, you’ll enjoy rewards just for being a loyal ZSmart Furniture customer. Sign up for Royalty Rewards