Welcome to our website! As we have the ability to list on our website (our selection changes all of the time), it is not feasible for a company our size to record and playback the descriptions on every item on our website. However, if you are an American with a disability we are here to help you. Please call our disability services phone line at 718-422-0005 during regular business hours and one of our kind and friendly personal shoppers will help you navigate through our website, help conduct advanced searches, help you choose the item you are looking for with the specifications you are seeking, read you the specifications of any item and consult with you about the products themselves. There is no charge for the help of this personal shopper for any American with a disability. Finally, your personal shopper will explain our Privacy Policy and Terms of Service, and help you place an order if you so desire.

Have a Question About Financing?

Online Furniture USA, 15 Bond Street, Brooklyn, NY 11201

Why Not Lease It Program

Do you make at least $1,000 per month? Do you have a checking or saving account , credit card or debit card? If so, you might want to consider the WhyNotLeaseIt program for your purchase today.

  • NO Credit Required
  • 98% Approved
  • Flexible Lease Terms
  • Apply in our Store
  • Immediate Delivery
  • Early Buyout Option

Have question about financing? Give us a call or fill out the form below:

What are the requirements to qualify for the program?

You must be 18 years or older, have a steady income of at least $1,000 per month, maintain an open/active checking or savings account, credit card, debit card or an eligible form of pre-paid debit card.

Is this a rent-to-own program?

No, this is a leasing program. You make the payments and at the end of the minimum term you have the option to renew the lease, return the item or purchase the item in early buyout when eligible. We do NOT offer a 90 day same as cash option.

Do you accept an ITIN?

Yes, an ITIN is an Individual Tax Identification Number issued by the federal government for non-citizens working and paying taxes in the US. An ITIN is used instead of a social security number.

Can I enter a P.O. Box for my address?

No. We must have a valid street address where the merchandise will be located.

If I don't have a job can I still apply?

Yes, we accept different forms of income such as Social Security, Retirement, Pension and Self Employment.

How does the approval process work?

You can complete and submit an online application here or at one of our partner stores. While the majority of applications are approved in a matter of minutes, some applications require special processing and may take more time for additional verification.

What if I have bad credit or filed for Bankruptcy?

Neither poor credit nor former bankruptcy will affect your approval. All previous bankruptcies must have been discharged/dismissed to receive an approval. DO NOT APPLY IF YOU ARE STILL IN BANKRUPTCY PROCEEDINGS. It is criminal fraud to lie about your bankruptcy status.

Can my spouse apply & use the same checking account?

We allow up to 2 applicants to use the same account, provided they are both authorized users on the account and have separate forms of income.

Do you require a minimum lease term?

Yes. Once the minimum term is completed, you can continue leasing your item(s), return them to WhyNotLeaseIt, or purchase them.

What is an ACH Authorization?

An ACH Authorization is your verbal or written instruction that allows us to electronically withdraw a specified amount of money from your bank account on an agreed upon day from each payment period.

How much do I have to pay today?

You must make your first lease payment in order to accept delivery of your selections.

Do I make my payments at the store?

No, payments are auto deducted from your bank account, credit card or debit card each period on the dates listed in your payment schedule.

Can I buy the merchandise if I decide to keep it?

Yes! After the 6 period minimum term you may buy your merchandise for a portion of the remaining depreciated value of the item(s).

What is the interest rate?

A lease is not a loan - there is no interest rate. Please carefully examine your payment schedule for amounts payable.

What if I get it home and I don't like it?

Shop carefully! Executing your lease obligates you to the minimum term.

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