One application. Multiple lenders. Get pre-qualified in minutes — regardless of credit. Family-owned service, modern financing, same-day delivery throughout Indiana.
✔ Approvals in minutes • ✔ No credit needed options • ✔ Take it home today
See if You Pre-Qualify
Multiple Providers · Regardless of Credit
Estimated Payment Calculator.Drag the slider or type your purchase amount to estimate monthly and weekly payment options.
Whether you're shopping for a new mattress, a recliner, a sofa, or a complete bedroom set, Modesitt Home Furnishings offers multi-lender financing through LendPro — one short application matches you with multiple lenders so you can compare options instantly. We serve customers across Brazil, Terre Haute, Clinton, Rockville, Greencastle, and surrounding Indiana communities, with same and next-day delivery on most items.
Customers searching for "furniture financing near me," "no credit check furniture Brazil Indiana," "lease-to-own mattress in Terre Haute," "affordable furniture payments," or "rent-to-own furniture Greencastle" can pre-qualify in minutes with a soft credit pull that does not impact their credit score. Approval is typically instant, and TJ and the Modesitt team can have your furniture delivered same day on most in-stock items.
Looking for Buy Now, Pay Later (BNPL) furniture? Modesitt Home Furnishings offers a complete pay-over-time experience through LendPro — covering everything from short-term split plans to longer-term financing. Monthly financing typically runs 12 to 18 months for customers with credit, and weekly lease-to-own is available regardless of credit history. Select providers also offer Equal Pay plans with predictable fixed installments and Early Pay-Off promotions for customers who can pay off quickly.
Yes. Modesitt Home Furnishings's lease-to-own options through LendPro are available regardless of credit. Pre-qualification uses a soft credit pull that does not impact your credit score.
Yes — completely free, takes just minutes, and uses a soft credit inquiry that does not impact your credit score. There is no obligation to proceed.
Yes. Bundle financing is available across mattresses, sofas, recliners, dining sets, bedroom sets, and appliances — all in one application.
Yes. Same and next-day delivery on most in-stock items throughout Brazil, Terre Haute, Clinton, Rockville, Greencastle, and surrounding Indiana communities.
Whether you're shopping a recliner, a mattress, or a complete bedroom set, financing makes it simple.
Fill out one short application. We instantly check your eligibility across multiple financing providers using a soft credit pull — no impact to your credit score.
Review the options you've been matched with. Pick the plan that fits your household — monthly financing or weekly lease-to-own.
Approval is instant. Visit our showroom at 217 W National Ave in Brazil and our team can have your furniture delivered same day on most items.
Everything you need to know about pre-qualifying and shopping with financing at Modesitt Home Furnishings. Need help? Call us at (812) 263-1338.
Five-star reviews from customers across Brazil, Terre Haute, Greencastle, and surrounding western Indiana communities — sharing their experience with pre-qualification, multiple lender offers, lease-to-own approvals, calculator accuracy, and Early Pay-Off savings.
Stopped in at the Modesitt store in Brazil thinking it'd take days to get a recliner financed. TJ walked me through the LendPro form on his iPad and I had three lender offers waiting in minutes. Picked the lowest monthly payment and walked out with my new recliner the same afternoon. Family-owned service with big-city financing options.
I'm shopping for a mortgage and didn't want any hard inquiries on my credit. TJ explained how the soft pull works and confirmed it wouldn't show up. Checked my credit two weeks later — same score, no inquiry. Got my new sofa financed without messing up my mortgage application. Honest, transparent process.
Drove down from Greencastle expecting to settle for whatever financing they had. Instead, one application showed me four lender offers side by side. The cheapest monthly was about $25 less than the most expensive over the same term. Saved real money. Worth the trip — Modesitt has small-town service with modern financing.
Coming out of a tough year and worried I'd get turned away. TJ never made me feel embarrassed. The lease-to-own option matched me with a provider who didn't even need a strong credit score — just verified my income. Weekly payments, no big down payment, and I'll own my new bedroom set within a year. Treated me with respect.
Used the payment estimator on the website before driving over from Rockville. It said about $76 a month for the dining set I wanted. Real offer came back at $71 — even better than the estimate. No hidden fees, no surprise charges. The financing experience matched the website exactly. Honest pricing.
Just turned 22 and had basically no credit history. Other furniture places either turned me away or wanted a co-signer. Modesitt's lease-to-own option didn't require established credit at all — just verified my paycheck. Got approved that afternoon and TJ helped me pick a starter living room set within budget. Highly recommend for first-time buyers in the area.
We needed a queen mattress and adjustable base. The Equal Pay plan was perfect — same payment every month, no balloon at the end, no rate changes. My husband and I knew exactly what we'd pay and could budget around it. Same-day delivery to Terre Haute was fast. Will definitely come back.
Bought a sectional in October and paid it off by year-end using the Early Pay-Off promotion my matched lender offered. Saved over $150 in finance charges versus the full term. TJ flagged the early-payoff option upfront — most stores don't tell you that. Honest financing, honest furniture, honest people.
Family-owned. Locally trusted. Stop in, give us a call, or shop online — we're here to help you find the right furniture at the right price.
Payment Estimates. The monthly and weekly payment amounts shown on this page are illustrative estimates only. They are not an offer of credit, a pre-approval, or a guarantee of any specific payment, rate, term, or finance charge. Actual payment amounts, interest rates (APR), finance charges, lease fees, down payment requirements, total cost of ownership, and approval criteria are determined solely by the financing or lease-to-own provider you are matched with and depend on your purchase amount, creditworthiness, income, state of residence, and other factors. Final terms will be disclosed in writing by the financing provider before you sign any agreement.
Modesitt Home Furnishings Is Not a Lender. Modesitt Home Furnishings is a retailer and is not a lender, broker, or financing provider. Modesitt Home Furnishings does not underwrite, approve, or service any financing or lease-to-own agreement. All credit and lease decisions are made exclusively by the applicable third-party financing provider. Modesitt Home Furnishings may receive compensation from financing providers in connection with applications or funded transactions.
Pre-Qualification. Pre-qualification is an initial review that does not constitute an offer, approval, or guarantee of financing. Pre-qualification uses a soft credit inquiry that does not affect your credit score. If you proceed to a full application, the financing provider may perform a hard credit inquiry or request additional information (such as income verification or bank information), which may affect your credit score. Being pre-qualified does not guarantee final approval. Pre-qualified offers are typically valid for a limited time (generally 30 days) and may expire; expiration details will be displayed with your offer.
"No Credit Needed" Programs. Certain financing options advertised as "No Credit Needed" or "No Credit Required" do not require a strong credit history, but most providers still perform a credit check and may consider other factors such as income, banking history, and prior application history. "No Credit Needed" does not mean "No Credit Check." Any credit review and the full terms of any offer will be clearly disclosed before you complete a full application or sign an agreement.
Lease-to-Own Programs. Lease-to-own (also called rent-to-own or LTO) agreements offered through certain providers are not loans, credit, or financing agreements. Under a lease-to-own agreement, the provider purchases the merchandise from Modesitt Home Furnishings and leases it to you. You do not own the merchandise until all scheduled lease payments have been made or you have exercised an available early purchase option. The total cost of ownership under a lease-to-own agreement will be substantially higher than the retail cash price of the merchandise. Early purchase options, payment schedules, fees, and availability vary by provider and by state. Complete terms will be disclosed in the lease agreement before you sign.
Availability & State Restrictions. Financing and lease-to-own programs are not available in all states. Products, terms, rates, fees, and minimum/maximum purchase amounts vary by provider and state and are subject to change at any time without notice. Not all applicants will qualify for all programs, the lowest advertised rate, the longest advertised term, or any particular promotional offer.
Equal Credit Opportunity. The federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract), because all or part of the applicant's income derives from any public assistance program, or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act.
Privacy & Data Security. Personal information you provide in connection with a financing application is encrypted and transmitted securely to the financing providers considering your application. Your information is used solely for the purpose of processing your financing application. For questions about your application status or financing options, contact Modesitt Home Furnishings at (812) 263-1338.
Pre-qualify in minutes — no impact to your credit score.
See if You Pre-Qualify
Multiple Providers · Regardless of Credit
Estimated Payment Calculator.