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credit options

Credit & Financing Options

We’ve made available a three financing options for you to get the furniture you really want in the way that best makes sense to you.

0% APR WITH EQUAL PAYMENTS

  • Provider: Wells Fargo
  • Approval Determined By: Credit Check
FAQ & Info Apply Now Check Status

Financing Options

  • 0% APR for 12 MONTHS with Purchase of $999 or more (see store for details)
  • 0% APR FOR 24 MONTHS with Purchase of $1999 or more (see store for details)
  • 0% APR for 36 MONTHS with Purchase of $2999 or more (see store for details)

How do I apply?

Click “Apply” to begin the application process or come on into one of our stores and we can process your application on the spot. (If you’ve been already working with a sales associate, please note their name in the application, so they can follow up with you.)

Special Orders:

Require a 35% non-refundable cash or charge (not financed) down payment--see store for details. Finance options subject to change without notice. Credit card acceptance or other offers may vary without notice.

*The A1 Furniture credit card is issued by Wells Fargo Financial National Bank. Special terms apply to qualifying purchases of $2999 or more charged with approved credit. The special terms APR will continue to apply until all qualifying purchases are paid in full. The monthly payment for this purchase will be the amount that will pay for the purchase in full in equal payments during the promotional (special terms) period. The APR for Purchases will apply to certain fees such as a late payment fee or if you use the card for other transactions. For newly opened accounts, the APR for Purchases is 27.99%. This APR may vary with the market based on the U.S. Prime Rate and is given as of 01/01/2015. If you are charged interest in any billing cycle, the minimum will be $1.00.

Own It Now Financing

  • Provider: Heights Finance
  • Approval Determined By: Reviews overall personal financial situation & Credit Check
FAQ & Info Apply Now

Some financing companies either look at you just as a number on your credit score and if they don’t like what they see the answer is, “NO.” Some other places that are willing to finance you have such high interest that it can feel like you’re giving up an arm and leg just for new furniture!We believe this just doesn't have to be the case (and we want you to keep your limbs).

Own It Now is also a great option if you are looking to establish credit, repair your credit or improve your credit score.

Financing Options

  • Very Reasonable Interest Financing & 90 Day Interest Free Financing

How does it work?

  1. If you are interested in seeing if you can get financed for at least $400 or more, simply click on the “Apply Now” button.

Special Orders:

Require a 35% non-refundable cash or charge (not financed) down payment--see store for details. Finance options subject to change without notice. Credit card acceptance or other offers may vary without notice.

Free Layaway

  • Provider: A1 Furniture & Mattress
  • Credit Check: No
FAQ & Info Get Started

If you are in the middle of building your dream home, purchasing a surprise gift for someone, or paying a large down payment before your delivery is made, we offerFREE, flexible and convenient Layaway.

Two great advantages of our FREE Layaway Plan are:

  1. Make A MAJOR Purchase More Manageable: First, Layaway 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. Locking-In A Sale Price: With our Layaway Plan you can take advantage of our sale prices without having to make the entire payment now.

How does it work?

  1. For items typically in stock, we require only 20% down on the total amount of the purchase. For special orders, we require 35% down.
  2. Layaways must be paid within 6 months of the purchase
  3. You are required to minimally make 1 payment per month on the date you first started your layaway. You can make payment over the phone or by coming in to either of our stores.
  4. If payment is not received on the schedule due date (every 30 days), will have a 15 day grace period before your layaway is automatically canceled. Upon cancellation of your layaway, you will forfeit any money already down.

To find out more on our Layaway Policy give us a call at 608-222-9200 or email us by clicking on the “Get Started” button.

Start a Room Plan