Three financing options for every budget
Surplus Furniture & Mattress Warehouse understands that in times like these not everyone has the full amount they need for new furniture on hand. We never want shopping to be stressful — applying for financing is a fast, easy process. Only some basic information is required to fill out an application, and you will find out right away whether you were approved.
Don't Pay for 12 Months!
0% interest. No monthly payments.*
Can't wait to get your furniture? This option is for you. Purchase your furniture today and delay the payments to a later date — set your own payment schedule and amount. There are no interest fees as long as the full amount is paid before the end of the agreed-upon term.
Take 18 Months To Pay!
18 equal payments. No interest fees.**
Great for customers that want a bit more structure and simplicity. The Equal Payment Plan takes the cost of the furniture and divides it into easy monthly payments. There are no interest fees as long as the full amount is paid before the end of the agreed-upon term.
100% FREE Layaway Plan!
No interest fees. No storage fees. No admin fees. No credit check. Flexible payment options.
Choose 100% Free Layaway — the easiest payment option. There are no interest fees, no admin fees, no storage fees, no credit check, and flexible payment options with a minimal down payment required. Initial deposits are refundable within the first 10 days under our Just Looking Guarantee (see a store associate for details). Once an item is paid for you can take it home or schedule it for Same Day Delivery. As a customer you choose the initial down payment to start, then you choose the payment schedule and amounts (all based on your income). It's that easy.
Surplus Furniture & Mattress Warehouse never wants our customers to feel stressed while shopping for furniture. It should be an exciting and stress-free time to pick out brand-new furniture.
