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When purchasing your new furniture, Surplus Furniture offers multiple avenues you can take advantage of when it comes to payments. Whether it’s using our 5 Star Layaway program or one of our interest-free finance options, both will assist in paying off your new furniture.

Free Layaway

Did you know that Surplus Furniture offers FREE LAYAWAY? Our 5 Star program lets you select your furniture today and take it home whenever you’re ready. This works great if you have not yet taken possession of your new home, or you’re just not ready to pay for the full purchase today. Did we mention that this program is free? That means you will not pay any interest or storage fees for the lifetime of your layaway. All you have to do is tell us when you want to own it and then stop in and make regular installments toward the balance of your purchase — as much or as little as you are comfortable with. There is no time limit.

Financing Options

We also offer an assortment of financing options. The great news is that with our finance options you can take your furniture home right away while paying the remaining balance conveniently online or at your bank. Surplus Furniture offers the following finance options to suit a wide variety of needs:

  1. Defer your payment with NO INTEREST for 6 or 12 months. Take the furniture home today and pay for it later!
  2. Make equal monthly payments for 3, 6, 12 or 18 months — INTEREST FREE.
  3. Make equal monthly payments for 12, 24 or 36 months with a low interest rate of only 13.50%.

Stop by today and talk with any of our Sales Specialists. We know we have something you will love at the absolute best prices! Once you have picked out the furniture or mattress you want, we will ensure you get the best possible payment plan to suit your needs and your budget.