Who Are We?

You make homes homier. We make financing easier.

With just a single application for customers from all credit backgrounds, it's never been easier to match your customers to a financing plan.

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  • Financing for almost any credit background

    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.

  • No surprises, No gotchas

    When you sign up for any financing plan, we tell you everything up front: total cost, scheduled payments, and any other fees.

Stop Waiting For Someday

Financing a big purchase shouldn’t mean filling out endless forms and jumping through hoops. Whether you have excellent or no credit, our financing options makes life-changing purchases accessible through instant decisions, clear and simple terms, and flexible monthly payments.

How do I apply for credit?

With just a few simple pieces of information, we can check with up to three lenders to get a financing plan that works for you. Apply online here, or talk to your home furnishing consultant about applying in one of our conveniently located stores.

Does applying affect my credit score?

Since everyone’s credit history is a bit different, the impact varies. After you apply, our lending partners will generate a credit inquiry, which makes up a small percentage of your FICO score calculation.

Do you have a no credit needed option?

Yes! FurnitureMOC works with Progressive Leasing to offer no-credit-needed options.

I have an existing account that I haven’t used in a while. Is my credit line still good?

You may need to submit a new application. Your home furnishing consultant can help you determine whether your account is still open, and help submit a new application if it has been closed. If you’d like to check directly with your lender, you can call: 347-442-5905

I was approved online. Can I use my account in a store?

Once you’re approved, you can use your FurnitureMOC account however you prefer to shop—in a store, online, or over the phone. If you are shopping in a store or over the phone, please let your home furnishing consultant know you have an existing account. Online, you will have the ability to look up your credit account at checkout.

Refund Policy

Our refund policy is designed to ensure customer satisfaction. If for any reason you are not satisfied with your purchase, you can request a refund within a certain timeframe. 

Last updated: June 12 2023


1. General

We have a 30-day return policy, which means you have 30 days after receiving your item to request a return. To be eligible for a return, your item must be in the same condition that you received it, unworn or unused, with tags, and in its original packaging. You’ll also need the receipt or proof of purchase.

To start a return, you can contact us at support@furnitureMOC.com. Please note that returns will need to be sent to the following address: support@furnitureMOC.com

If your return is accepted, we’ll send you a return shipping label, as well as instructions on how and where to send your package. Items sent back to us without first requesting a return will not be accepted.

You can always contact us for any return question at  support@furnitureMOC.com.



2. Damages And Issues

Please inspect your order upon reception and contact us immediately if the item is defective, damaged or if you receive the wrong item, so that we can evaluate the issue and make it right.



3. Exchanges

The fastest way to ensure you get what you want is to return the item you have, and once the return is accepted, make a separate purchase for the new item.

Exchanges are only permitted on regularly stocked items that are not chandeliers, or Rugs/Carpets and do not have any fabric, scratches, dents, loss of color, water damage, cracks, dirt, or debris have to be stated that the customer will like an exchange within the first 48 hours of receiving the merchandise. (There will be an extra Delivery Fee & Pick-Up Fee if initiated)




We will notify you once we’ve received and inspected your return, and let you know if the refund was approved or not. If approved, you’ll be automatically refunded on your original payment method within 10 business days. Please remember it can take some time for your bank or credit card company to process and post the refund too.

    • Special Orders are Non-Refundable
    • Special Orders are Non-Exchangeable
    • Layaway will be good for 90 Days
    • There will be no refunds or exchanges on Layaway Orders

If more than 15 business days have passed since we’ve approved your return, please contact us at info@furnitureMOC.com.