You can finance with no credit check. As long as you pay off in 100 days you wont have a huge finance charge. They take the payments from your checking account and then you can call in to make extra payments to ensure its paid off within 100 days. You also have to put $40 down I believe. They will also include the delivery charge with your financing.
If you pay with cash or credit card, yes you can take the bed.
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