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 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.

At Surplus Furniture & Mattress Warehouse we want your purchase to be as comfortable as our furniture. Take a look at some of our financing features.

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 — there are no interest fees, as long as the full amount is paid before the end of the agreed-upon term.

There are three options for this payment plan:

  • 3 months — no admin fee, no interest fees.
  • 6 months — $69 admin fee, no interest fees (regardless of purchase amount).
  • 12 months — $149 admin fee, no interest fees (regardless of purchase amount).

Take 18 Months to Pay

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.

Four payment terms with this plan:

  • 3 months — no admin fee, no interest fees.
  • 6 months — $69 admin fee, no interest fees.
  • 12 months — $149 admin fee, no interest fees.
  • 18 months — $149 admin fee, no interest fees.

100% Free Layaway

What happens if you’ve found the perfect furniture piece, along with the best industry price, but you’re short on funds or have poor credit? We are proud to offer our 100% Free Layaway program, available to all customers, regardless of credit history or finances. You are pre-approved and ready to purchase.

Layaway is a method of financing in which customers place a small deposit on an item in order to reserve the promotional price. This small deposit amount is up to the sole discretion of the customer. Then, based on their own financial situation, the customer makes smaller bi-weekly payments based on their own schedule until the balance is paid in full. You control the payment amounts. There are no storage fees, no interest fees, and no time restrictions. And the best part of all, it’s FREE.

Benefits of our 100% Free Layaway Program

  • Price Hold Protection — prices on all layaway accounts are guaranteed regardless of increases.
  • Guaranteed Lowest Price — if items on layaway are reduced even further, the customer is guaranteed the savings.
  • Just-Looking Guarantee — not sure about your selection? Start a layaway today to hold the item and cancel within 10 days if it’s not right for you.

Buying furniture should be fun and exciting, not stressful. We want to make your experience purchasing furniture easy and stress-free. For more information on financing, come in to any of our store locations and our sales associates will gladly help you find the best financing option for your purchase.