Shopping for furniture can sometimes be stressful, especially when it comes to payment. Will that be cash, credit or financing? Base Pepper 2pc SectionalCash requires significant upfront capital on your part, and let's face it, not everyone is blessed with a large discretionary cash balance. Credit is an easy option, but with a 29% interest rate on most credit cards, that $1,000 sofa set now costs $1300. Financing works the same way, the longer the financing term, the more you pay in interest, not too mention the upfront administration fee to set up the account. Rent to own furniture is deceivingly expensive with high interest fees mixed with a large buyout option at the end of the term. SO either you pay the full value today, or you borrow and pay the full value (plus interest) later. But by now, you must be thinking, isn't there another way? Thankfully, at Surplus Furniture and Mattress Warehouse, we have another payment option available to all our customers. 100% FREE Layaway! And did you know that Surplus Furniture is one of the only furniture companies that offers this... How does 100% FREE Layaway work? Great question. Simply choose your furniture, then select the 100% FREE Layaway option for payment. You choose the payment amount based on what you can afford and you choose how often you make payments. Complete control. So here are the details: Ashley Alenya Charcoal 2pc Sofa SetControl Your Payments. Pay what you can afford, when you can afford it. It's that easy. Most financing/credit card options set your payment amount and schedule, but not with our layaway option. You can set your payment amount and how often you make the payments. Once a month, every week, it's your choice. So if you find you have a bit more flexibility at the end of the month, your payments can reflect that. Or let's say you had some unexpected bills, no worries, decrease your payments and make up the difference when you can. It's that easy. No Interest Fees. Did you know that consumer debt in Canada has gone up from 3.1% in 2014 to 4.1% in October 2015. Canadian's have an average of $3,745 in credit card debt. So with 29% interest fees, it's no wonder credit card debt is a leading factor in bankruptcy. There are no Interest Fees with our 100% Layaway program. You pay the cost of the item you have on layaway, nothing more. No Administration Fees. Most financing companies have a set (or flat) administration fee, just to have the convenience of borrowing money. This fee at times, can be several hundred dollars, which is non-refundable. Our 100% FREE Layaway program is just that, FREE. There is no cost to use our layaway program. Simply select your furniture and start your layaway program. The only cost, is the initial (first) payment, which is applied directly to the item you are placing on layaway. Pick up Items as they are paid for. If you have several items on your layaway, you don't have to wait to take them home and enjoy them. You can pick them up as they are paid for, so no more waiting. Lock in the Price. See a promotion that you just can't pass on, but your next paycheck is a few weeks away? No worries, Lock in that price today. Take advantage of the promotion today, without having to wait until your next pay check. Simply place the item(s) on layaway, make the initial payment, and wait for your next pay check. If the price of the package goes up, you still pay the lower price. There is no sense missing a great deal today. 4520_mwOur Layaway Program is one of the unique reasons people love to buy from Surplus Furniture! Brand Name Furniture! Warehouse Pricing! Flexible Payment Options! Surplus Furniture will save you money!!!