Finance - More Like FUNance

Financing Made Easy!

Need furniture today, but can't pay in full? At times, Financing can be confusing, and stressful. Equal payments, Deferred payments, interest fees, what does it all mean. At Surplus Furniture and Mattress Warehouse, we simplify the process by providing our customers with a variety of options.

100% FREE Layaway!
As one option, you can choose 100% Free Layaway. Although not a Financing Plan, this payment option is the easiest for most customers. There is no interest fees, no admin fees, no storage fees, no credit check, flexible payment options, with a minimal down payment required. The only downside, is the fact that you cannot take furniture home until it has been paid for. So for instance, let's say you purchase a sofa, and place it on layaway. As a customer, you can choose the initial down payment to start (most customers will choose $20), then you choose the payment schedule and amounts (all based on your income). Once the sofa has been paid for, you can schedule to take it home. It's that easy.

Financing - Deferred Payment!
Can't wait to get your furniture? Then this financing option may be suited for you. Deferred payment, means you delay the payment to a later date. So if you know you can pay for the furniture within the next few months, then this option is great for you. There are three options for this payment plan, either 3 months, 6 months or 12 months. The 3 month term has no admin fee, the 6 month term has a $69 admin fee, and the 12 month term has a $149 admin fee. In that time, you can set your own payment schedule and amount, and there is no interest fees, as long as the full amount is paid before the end of the agreed upon term. Things to note, the admin fee cannot be rolled into the financing, so it must be paid (along with the tax) at the time of purchase. If the full amount is not paid within the time frame, than an interest fee of 19.4% is applied and backdated to the date of the initial purchase.

Financing - Equal Payment!
This financing option is great for customers that require a bit more structure and simplicity. The Equal Payment Plan, takes the cost of the furniture and divides it into easy monthly payments. The great part is, there are no interest fees. So there are four payment terms with this plan: you can choose a 3 month term (no admin fee), a 6 month term ($69 admin fee), a 12 month term ($149 admin fee), or an 18 month term ($149 admin fee). Please note, the admin fee cannot be rolled into the financing, and must be paid (along with the tax) at the time of purchase.

Applying for financing is a fast and easy process! We only need some basic information to fill out an application, and you can find out on the spot if you were approved! When approved you can pick up the furniture right away, or set up a delivery to have it in your house that night!

Financing is the best way to have your furniture the SAME DAY, but not pay for it for up to a full year! It’s the most fun way to shop, and that’s why we call it FUNANCE!