Financing

Cozy & Rustic · St. Cloud

Know before you go.

Thinking about a new sectional, mattress, or dining set? Apply for financing from home, get your decision, and walk into the showroom already knowing what you can spend. No surprises, no pressure at the counter.

Apply Now with Synchrony

Secure application on Synchrony's website · Decision in seconds

How it works

1

Apply from home

Tap the button above and complete Synchrony's secure online application — most people are done in a few minutes.

2

Get your decision

Synchrony gives you a decision in seconds. If you're approved, you'll receive your account information right away.

3

Come shop with confidence

Visit us at Crossroads Center in St. Cloud and pick out exactly what you want — your financing is already handled.

Two ways to pay over time

Planning a visit? Synchrony HOME

Our in-store financing through Synchrony Bank. Apply online before you come in (above), or apply with us at the store — either way, one application covers your purchase with us.

Apply with Synchrony

Shopping online? Affirm

Buying right here on cozyandrustic.com? Choose Affirm – Pay Over Time at checkout, enter a few details for a real-time decision, and split your purchase into a plan that fits your budget. Checking your eligibility will not impact your credit score.

Rather talk it through?

Come see us at Crossroads Center, 4101 W Division St, St. Cloud — or call or text us at (320) 316-2665 and we'll walk you through what's available for the piece you're looking at.

Synchrony financing is subject to credit approval by Synchrony Bank; terms and promotional offers vary by purchase and are confirmed at the time of application. Affirm payment options are subject to eligibility and are provided through Affirm's lending partners. Financing is not guaranteed for any specific purchase amount.