0% Interest Financing
If you have a strong credit history, you could qualify for our 0% financing options. We typically offer a really convenient 12 month 0% interest option with the purchase of the furniture you have been wanting ($999 or more)! Also, watch for our advertised specials of more than 12 months 0% interest!
How do I apply?
Come on into one of our stores or click apply below to begin the application process.
*Financing provided by Wells Fargo Financial National Bank, a subsidiary of Wells Fargo Financial. Wells Fargo Financial is an affiliate of Wells Fargo Bank, N.A.
*If you have been already been working with a sales associate, please note their name in the application, so we can follow up with you. Thanks!
There are often many ways to get financing, but some of those options out there have such high interest that it can feel like you’re giving up your arm and leg for your new furniture. We believe this just doesn't have to be the case. Smart-Choice Financing provides an option for you to get the furniture you want at reasonable interest and…you even get to keep your arms and legs.
What are some of the requirements that are going to be looked at to approve me?
While your credit score is going to be an important factor, it’s not the only factor that will be looked at for you to be considered for a smart choice loan. Here are a few other items that will help you to qualify: Currently employed, Length of time with employer, The less the debt load you have the better, A history of your credit score improving, Positive references from employer and/or landlord
What kind of interest rate will I be paying? Depending on the amount you are approved for your, the percentage you will be paying in interest typically averages 12%-16%.
Ready to take the next step in getting the furniture you want with Smart-Choice Financing? Come on into one of our stores or you can contact us by email to get the initials steps to apply going.
FREE Layaway Available!
Another popular option is our Free Lay Away Plan, which offers you two great advantages.
1. First, it is a good way to fit a major purchase into your budget by allowing you to take a large payment and break it into several smaller ones spread over months.
2. The other big advantage is price protection. With the LayAway Plan you can take advantage of our sale prices without having to make the entire payment now. Also buying now protects you from price increases that may occur in the future. Contact us for more details.
How does it work?
1. For items typically in stock, we require 25% down on the total amount of the purchased. For special orders, we require 35% down.
2. You have 3 months to make payments on the purchase.
3. You are required to make at least 1 payment per month, but can make multiple payments per month, if you desire.
4. There is no required minimum payment amount. You are fee to pay as you are able and as often as you are able through the 3 month period.
5. You must come into either of our stores to make you payment.
Got more questions about Lay Away? Contact us at 222-9200
Like what you see? Ordering is easy as 1-2-3
“Loved all the help and how convenient it was ordering with A1 from their website” – Alicia C.
Contact our online ordering staff:
Phone: 608-520-0310 (9am-7pm M-Sat) order@a1furniture.com (24/7)
· Please provide us with the product(s) name and item number (provided on website) or the online quote you have received.
· Provide us with payment and we can run that right over the phone. You have several options:
- Vista, Master Card, Discover & American Express
- We have also have Financing Available & a Free Lay Away options
- We can also take PayPal