FLEXIBLE PAYMENTS • ALL CREDIT WELCOME
Flexible Financing Made Simple
Get the jewelry, electronics, and gear you want today — with easy financing right here in Gainesville. No perfect credit required.
90 Days
Same as Cash
$0
Down Options
60 Sec
Quick Approval
All Credit
Welcome
How Financing Works
Four simple steps from browsing to walking out with your purchase.
Shop Our Store
Browse jewelry, electronics, tools, firearms, and more — in-store or online.
Apply Quickly
Fill out a short application. Get a decision in about a minute.
Choose Your Plan
Pick a payment plan that works for your budget with clear, upfront terms.
Take It Home
Walk out the same day with your item. No long waits, no hassles.
Financing Options
We partner with trusted lenders to offer plans that fit every situation.
★ FlexApproved by Terrace Finance
Lease-to-own financing for all credit profiles. Routed through a network of lenders for high-end items and tailored options.
TB Goods In-Store Layaway
No credit check, ever. Small down payment holds your item, pay over time at your pace — zero interest and zero fees.
Traditional Retail Financing
For qualifying applicants, enjoy 90-days same-as-cash and extended payment plans on bigger purchases.
Frequently Asked Questions
Do I need good credit to qualify?
No. FlexApproved considers all credit profiles, and our in-store layaway has no credit check at all.
What can I finance at TB Goods?
Most items in the store — jewelry, electronics, musical instruments, tools, and more. Ask an associate about specific items.
How fast is approval?
Most applicants get a decision in about a minute. Bring a valid ID, proof of income, and a checking account.
Can I pay off early?
Yes — early payoff options are available through your financing agreement. Ask us for details.
Ready to Get Started?
Visit us in Gainesville or call — approval takes about a minute.