No Interest Financing and No Credit Check Payment Options | Olum's in Syracuse, Binghamton, Vestal NY
Skip disability assistance statement.

Welcome to our website! As we have the ability to list over one million items on our website (our selection changes all of the time), it is not feasible for a company our size to record and playback the descriptions on every item on our website. However, if you have a disability we are here to help you. Please call our disability services phone line at 607-729-5775 during regular business hours and one of our kind and friendly personal shoppers will help you navigate through our website, help conduct advanced searches, help you choose the item you are looking for with the specifications you are seeking, read you the specifications of any item and consult with you about the products themselves. There is no charge for the help of this personal shopper for anyone with a disability. Finally, your personal shopper will explain our Privacy Policy and Terms of Service, and help you place an order if you so desire.

Choose from our Custom Financing Menu & Design the Solution that Works For You

At Olum's we offer a vast array of creative financing options to fit everyone's budget. Our goal is to assist every customer, regardless of credit status, in obtaining a payment plan so they can enjoy the furniture, appliances, and electronics they deserve.

Option #1
Olum's Magic Circle Credit

Magic Circle Credit

***Please Note: We are a local company, and do not ship products outside of our delivery area. If you are unable to pickup your purchase or get it delivered by us you will not be able to purchase from us. Thank you for your understanding.***

Applying online is fast, convenient, and secure. With your approved application you will be able to shop at any Olum's store. Our exclusive Magic Circle Credit in-house financing means you deal only with Olum's - No Banks, No Financing Companies, No Hassle!

Enjoy 6 Months Interest Free Financing on every Furniture purchase and 90 Days on every Appliance and Electronics purchase. Subject to credit approval. Minimum monthly payments required. See store for details.

Apply Now »

Option #2
Third Party Financing

Synchrony Financing
Wells Fargo

We offer extended financing plans through Wells Fargo and Synchrony Financial. Available in Vestal and both Syracuse stores.

Furniture & Mattresses:
Enjoy 36 Months 0% Interest Financing on Furniture and Bedding purchases $1999 or more, 24 Months on $1299 or more, 18 Months on $599 or more, and 12 Months on $399 or more, to well qualified buyers EVERYDAY! Some restrictions may apply - See store for full financing details and qualifications.

Enjoy 24 Months 0% Interest Financing on Appliance purchases $1999 or more, 18 Months on $1299 or more, and 12 Months on $399 or more, to well qualified buyers EVERYDAY! Some restrictions may apply - See store for full financing details and qualifications.

HDTVs & Electronics:
Enjoy 12 Months 0% Interest Financing on Electronics and HDTV purchases $399 or more to well qualified buyers EVERYDAY! See store for full financing details, restrictions, and qualifications.

Apply In Store »

Option #3
No Credit Needed & No Down Payment

Uown Block

Almost everyone can qualify for purchases with Uown's easy no credit needed payment plan. Regardless of credit circumstances, getting new Furniture, Mattresses, Appliances, and Electronics is easy with this lease to own purchase option. No Down Payment, Quick Approval, and Flexible Payments are all things you'll find with Uown!

Apply today, get it today! You've Got This!

Apply online or come in to the store nearest you to apply at a Uown kiosk.

Apply Now »

We accept the following major credit cards for store purchases: VISA, MasterCard, Discover and American Express.
Accepted Payment Methods

Olum's Magic Circle Credit
Pay Bill
Make a payment anytime, anywhere, safely and securely, directly from your checking or savings account.