Spiller Furniture & Mattress Financing & Leasing
Serving Alabama & Mississippi Since 1948

Furnish every room. Pay over time.

Furnish every room without putting your plans on hold. Apply online in minutes through one simple application with multiple financing providers — choose Apply for Credit for a full application with our primary lender, or No Credit Needed to pre-qualify with a soft credit check that won't affect your credit score.

Apply online in minutes through one simple application. Want to pre-qualify first? Choose No Credit Needed — the soft credit check won't affect your credit score.

Living room sectional from Spiller Furniture & Mattress
$ Pay over timeEstimated payments in seconds
1 Application
Multiple financing providers, one quick form
Two Ways
A full application, or pre-qualify with No Credit Needed
All Credit
Options for every credit profile, including no credit needed
10 Stores
Family owned & operated for 3 generations
How It Works

Financing made simple — in three steps

One application. Multiple financing providers. No running around to different lenders.

1

Apply Now

Tap Apply Now and complete one short, secure application from your phone, tablet, or computer — at home or in any Spiller showroom.

2

Choose your path

Pick Apply for Credit for a full application with our primary lender, or No Credit Needed to pre-qualify with a soft credit check. One application either way.

3

Take your furniture home

Review the option that fits your budget, then take home the furniture and mattresses your family will love.

Choose What's Right for You

Two ways to apply

After you tap Apply Now and choose your store, you'll decide how you'd like to move forward. Both start from the same simple application.

Apply for Credit

Apply with our primary lender

A full credit application reviewed by our primary lender. This option involves a credit check and is a great fit if you're ready to apply for financing on your purchase.

No Credit Needed

Pre-qualify with a soft credit check

Our No Credit Needed providers offer pre-qualification using a soft credit inquiry, so checking your options will not affect your credit score. A good fit if you'd like to see what you may qualify for first.

Estimate Your Payments

See what it could look like to pay over time

Slide to your furniture budget to see estimated weekly and monthly payments. These are estimates only — your actual options are shown when you apply.

Purchase amount

Drag the slider to your estimated total.

$1,500
Estimated priceAdjust below
$100$2,500$5,000$7,500$10,000
Estimated Monthly Payment
$83/mo
Based on an 18-month estimate
Estimated Weekly Payment
$63/wk
Based on a weekly payment estimate
Why Finance With Spiller

Get the home you want, on a schedule that works

One simple application

Skip the stack of separate forms. A single application connects you with multiple financing providers.

Pre-qualify, no credit needed

Want to see your options first? Our No Credit Needed providers pre-qualify you with a soft inquiry that won't affect your credit score.

Options for all credit

Multiple providers mean options across credit profiles — including no-credit-needed paths.

Answers in seconds

Apply from home or in the store and see your options in moments, not days.

Finance Any Room

From the living room to the last nightstand

Use financing toward furniture, mattresses, and home furnishings across every room in the house.

Living room sofas at Spiller Furniture Living RoomSofas, sectionals & recliners Bedroom furniture at Spiller Furniture BedroomBeds, dressers & nightstands Dining room sets at Spiller Furniture Dining RoomTables, chairs & storage Mattresses and loveseats at Spiller Furniture MattressesShop by comfort level
Customer Reviews

What our customers say

Trusted by families across Alabama & Mississippi for three generations.

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Good to Know

LendPro FAQs

What are my options when I apply? +
When you tap Apply Now, you can choose Apply for Credit to submit a full credit application with our primary lender, or No Credit Needed to pre-qualify with providers that use a soft credit check. Both start from the same simple application.
Will applying affect my credit score? +
It depends on the option you choose. The No Credit Needed option pre-qualifies you using a soft credit inquiry, which does not affect your credit score. Apply for Credit is a full credit application with our primary lender and involves a credit check. Approval and terms are determined by the provider.
Do I need good credit to apply? +
Customers across a wide range of credit situations are encouraged to apply. The No Credit Needed option lets you pre-qualify with a soft credit check, while Apply for Credit submits a full application to our primary lender. Approval and final terms are determined by the providers.
How does the application work? +
You complete one simple, secure application instead of applying to several lenders separately. Depending on the option you choose, your application is reviewed by our primary lender or routed across multiple financing providers, so you can see what you may qualify for.
How long does it take to see my options? +
The application is short, and most customers see their results within seconds of submitting.
Can I apply from home before I shop? +
Yes. You can apply online from home, then visit your nearest Spiller showroom knowing your options — or keep shopping with confidence. You can also apply in store with help from our team.
Is there any obligation to apply? +
Applying simply shows you your options. You're always free to review the details and decide what works best for you before moving forward.
What can I use financing for? +
Financing can be used toward furniture, mattresses, and home furnishings across every room — living room, bedroom, dining, home office, outdoor, and more.
Another Way to Pay Over Time

Prefer a store credit line? Finance with Synchrony.

In addition to applying online above, Spiller Furniture & Mattress offers financing through Synchrony — a dedicated credit line you can use again and again, with convenient monthly payments.

  • Buy now, pay over time
  • A dedicated credit line to use again and again at Spiller Furniture
  • Convenient monthly payments
  • Easy to use — pay online or by phone

Apply with Synchrony

Opens the Synchrony application in a new tab.

Apply with Synchrony Subject to credit approval. Synchrony financing is a separate option from applying above.
Visit Us

10 locations across Alabama & Mississippi

Apply online, then stop by your nearest showroom. Sundays closed at all locations.

Tuscaloosa, AL

200 14th Street, Suite 4
Tuscaloosa, AL 35401
Mon–Sat 9:00 AM – 5:30 PM
(205) 758-5563

Northport, AL

1940 Harper Road
Northport, AL 35476
Mon–Sat 9:00 AM – 5:30 PM
(205) 333-2030

Columbus, MS

1207 Highway 45N, Suite 8
Columbus, MS 39705
Mon–Sat 9:00 AM – 5:30 PM
(662) 329-3460

Starkville, MS

319A MLK Blvd
Starkville, MS 39759
Mon–Sat 9:00 AM – 5:30 PM
(662) 323-2000

Selma, AL

1505 Water Avenue
Selma, AL 36702
Mon–Sat 9:00 AM – 5:30 PM
(334) 875-7221

Thomasville, AL

33045 US-43
Thomasville, AL 36784
Mon–Sat 9:00 AM – 5:00 PM
(334) 636-8484

Demopolis, AL

307 South Cedar Avenue, Suite 2
Demopolis, AL 36732
Mon–Sat 9:00 AM – 5:00 PM
(334) 289-3390

Brent, AL

2154 Main Street
Brent, AL 35034
Mon–Sat 9:00 AM – 5:00 PM · Wed Closed
(205) 926-4000

Eutaw, AL

312 Morrow Avenue
Eutaw, AL 35462
Mon–Sat 9:00 AM – 5:00 PM · Wed Closed
(205) 372-9967

Aliceville, AL

202 3rd Avenue NW
Aliceville, AL 35442
Mon–Sat 9:00 AM – 5:00 PM · Wed Closed
(205) 373-2439

Ready to make your house a home?

See your financing options in seconds — one application, multiple providers. Choose Apply for Credit for a full application, or No Credit Needed to pre-qualify, then pick your store to begin.