Surplus Furniture & Mattress Warehouse understands in times like these not everyone has the full amount they may need for their new furniture. We never want your shopping to be stressful. Applying for financing is a fast and easy process! Only some basic information is required to fill out an application, and you can find out right away if you were approved! We have 3 Financing options available for you!

Don't Pay for 12 Months! 0% Interest! No Monthly Payments! * Can’t wait to get your furniture? Then this financing option is suited for you. Purchase your furniture today and delay the payments to a later date. Set your own payment schedule and amount, and 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! with 18 Equal Payments! No Interest Fees! ** 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, 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. This payment option is the easiest for our customers. There is no interest fees, no admin fees, no storage fees, no credit check, flexible payment options, with a minimal down payment required. Initial deposits are refundable within the first 10 days with our just looking guarantee (see 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.