Smith Home Furnishings - Shop Furniture & Mattresses Locally in Ponca City, OK
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Financing & Lease Options

At Smith Home Furnishings, we offer a variety of finance and lease options to help you purchase the furniture you need and love, and pride ourselves on doing everything possible to get you approved. Please feel free to text message us at 580-765-3539 with any questions.


  • onlineOnline Account Management
  • financingSpecial Financing Offers
  • cardholderExclusive Cardholder Offers
  • revolvingRevolving Line of Credit with Monthly Payment Options
  • timeBuy Now, Pay Over Time


  • Must have had a steady source of income for at least SIX months.
  • Must earn $1000 a month.
  • Must have an active checking account that has been open at least THREE months.
  • No Non-sufficient Funds or excessive overdrafts in the last 30 days.


Visit us in store

Unable to get approved online?

We have additional options in store including finance options, lay-away, and more. Stop by today and let's find an option tailored for you!