Small New York City deserve big style. With Snap Finance, you can lease-to-own the furniture you need now and pay over time – without sacrificing comfort or function.

Key takeaways

• Discover the best types of multi-use furniture for small rooms

• Get tips for shopping smart and maximizing your budget

• Learn how lease-to-own financing can make shopping for small-space furniture easier

When you live in New York City, every square foot matters. Your apartment might be small, but that doesn’t mean it can’t be stylish and functional. The right furniture can help you maximize your space without sacrificing comfort or personality. Whether you’re moving into your first apartment, downsizing, or just looking to refresh your décor, we’ve rounded up practical tips, space-saving solutions, and financing options that can help you furnish your home now and pay later. 

Best multi-use furniture for small rooms

Multi-functional furniture is a must for small apartments. Choosing pieces that serve more than one purpose allows you to save space while still getting everything you need for daily living. Here are some top picks:

•  Sofa beds and futons: A classic solution for studio apartments or one-bedrooms without a guest room. A sofa bed gives you a cozy place to lounge by day and a comfortable place to sleep at night.

• Storage ottomans: These versatile pieces can act as a coffee table, footrest, or extra seating – all while hiding away blankets, books, or anything else you want out of sight.

• Drop-leaf tables: Perfect for kitchens or dining nooks with limited space. Fold the sides down when you’re not using it to free up room, then expand when you’re hosting friends for dinner.

• Murphy beds: If your apartment allows installation, Murphy beds are a game-changer. These wall beds fold up and out of the way when not in use, giving you back valuable floor space.

• Nesting tables: Instead of one bulky coffee table, opt for a set of nesting tables that can be tucked away when not needed.

• Coffee tables with storage: Choose a lift-top coffee table or one with drawers or shelves to store remotes, books, and other living room essentials while keeping the surface clutter-free.

The goal is to make sure every piece of furniture you bring in works hard for your space. Choose items that perform double (or even triple) duty to get the most out of your apartment.

Functional yet chic storage hacks

Storage might be the biggest challenge of apartment living. But with the right approach, you can keep your home tidy and stylish. Here are some ideas to maximize storage without cluttering your space:

• Vertical storage: Use tall bookshelves, wall-mounted cabinets, or floating shelves to take advantage of vertical space. This draws the eye upward and makes your apartment feel larger.

• Under-bed storage: Look for platform beds with built-in drawers or use slim storage bins to hide seasonal clothing, shoes, or extra bedding.

• Over-the-door organizers: Perfect for small bathrooms or closets. These organizers can hold shoes, toiletries, or cleaning supplies and keep them off the floor.

• Hooks and racks: Wall hooks for coats, bags, and hats can free up closet space. A pegboard can also work wonders in a kitchen for hanging utensils and pans.

• Clear containers: Transparent bins make it easy to see what’s inside and keep things looking organized, especially in pantries or under sinks.

 You can have functional storage solutions without compromising on design. Look for pieces that complement your décor and add to the overall look of your home while still doing their job.

Snap Finance for lease-to-own furniture financing

Furnishing an apartment can get expensive, especially in a city where rent already takes up a big portion of your budget. That’s where Snap Finance can help.

With Snap’s lease-to-own financing, you can get the small-space furniture you need now and pay over time. Even if you don’t have perfect credit¹, you can still apply and get a decision in seconds. That means you can shop right away, get your apartment set up quickly, and make your payments out over time.

Snap partners with thousands of furniture stores nationwide, including plenty in New York City, so you can shop where you want and choose from a variety of styles and price points. It’s a convenient way to furnish your apartment without having to pay for it all upfront.

 Where and how to shop for small-space furniture in New York City

When shopping for small-space furniture in New York, you have a lot of options, from big-name retailers to boutique shops. Here are some tips to narrow down your search:

 Consider for local favorites: Many NYC neighborhoods have hidden gems that specialize in apartment-friendly furniture. Look for stores that focus on modern, modular, or space-saving pieces.

Check online inventories: Before heading to the store, browse their online selection to make sure they carry what you need and that the dimensions will fit your space.

Compare styles and prices: Don’t settle for the first thing you see. Compare multiple stores to find the best balance of quality, price, and style.

Ask about delivery options: Many NYC apartments have tight stairwells or walk-ups. Make sure the store offers delivery services that can accommodate your building’s setup.

And before you shop, use the Snap Store Locator to find retailers that offer Snap Finance, so you can plan ahead and take advantage of lease-to-own financing. Just enter your city or zip code, and you’ll get a list of nearby stores where you can use Snap. This makes it easy to plan your shopping trip and know your financing options ahead of time.

How Snap Finance works for furniture lease-to-own

Lease-to-own financing can help you secure the perfect fit without postponing because of upfront cost. Even better, Snap has made the process simple:

1. Find a partner store – Use Snap’s Store Locator to choose a participating furniture store online or near you.

2. Apply online or in-store – The application only takes a few minutes and no credit is needed to apply.¹

3. Get an instant decision – If approved, you’ll know right away and for how much – up to $5,000 in lease-to-own financing.²

4. Take home your furniture – Snap pays the retailer, and you leave with your chosen piece the same day.

5. Make scheduled payments – Your payments are conveniently aligned with your payday. Once your lease term is complete, the furniture is yours to keep.

Live large without paying for it all upfront

Your New York City apartment may be small, but it doesn’t have to feel that way. With smart furniture choices, clever storage hacks, and lease-to-own financing from Snap, you can create a home that feels stylish, functional, and uniquely yours. Don’t let the cost of furniture stop you from setting up the space you deserve. Get what you need now and pay over time.

Make the most of every square foot and start living large today. Apply now to get started.

Shopping for your living space doesn’t have to be overwhelming. Use these additional Snap resources to make furnishing your home a breeze:

• Home office upgrades: Use Snap Finance lease-to-own to get desks, chairs, and PCs

• Mattress lease-to-own: sleep better now, pay later

• Financing furniture 101: How to lease sofas, tables & more

The advertised service is a lease-to-own agreement provided by Snap RTO LLC. Lease-to-own financing is not available to residents of Minnesota, New Jersey, and Wisconsin.

¹ Not all applicants are approved. While no credit history is required, Snap obtains information from consumer reporting agencies in connection with applications, and your score with those agencies may be affected.

² Approval amounts vary from $300 to $5,000, subject to underwriting, and apply only to the cash price of leased items.