In Store Financing

No Money? No Worries with Surplus Furniture and Mattress Warehouse Financing Options!


Surplus Furniture and Mattress Warehouse has quickly claimed its name in the furniture industry by offering incredible value for an unbelievably low, low price. Our furniture experts are constantly locating quality, brand name furnishing at rock bottom prices. We are then able to pass on these incredible savings to our customers by simply purchasing direct from the manufacturers.

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!

Don't Pay for 1-Year!
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 for up to one full year without interest fees, as long as the full amount is paid before the end of the agreed upon term. There are four options for this financing plan:

3 months – No Admin Fee, No Interest Fees.
6 months - $44 Admin Fee, No Interest Fees

9 months - $84 Admin Fee, No Interest Fees

12 months - $124 Admin Fee, No Interest Fees


Take up to 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. So, there are four payment terms with this plan:

3 month term - No admin fee, No Interest Fees!
6 month term - $44 admin fee, No Interest Fees!

12 month term - $124 admin fee, No Interest Fees!

18 month term - $149 admin fee, No Interest Fees!

* Financing available on items $548 and up.

°O.A.C. On your FlexitiCard. Minimum purchase of $548 excluding taxes applies, ask in-store for details. Monthly payment shown is inclusive of fees and may be rounded to the next whole dollar. For no payments deferred plans, no payments are required during the promo period except for payment protection insurance premiums and taxes, if applicable, which are billed monthly. Interest at the cardholder agreement annual interest rate (Account AIR) accrues during the promo period and will be charged if the balance is not paid in full by the promo expiry date or if the promo is cancelled due to payment default on the account. For no interest equal monthly payment plans, no interest will accrue during the promo period and purchase amount is to be paid in equal monthly payments plus payment protection insurance premiums, fees and taxes, if applicable. If any payment is missed, all promo offers on the account may be cancelled and upon cancellation, interest will be calculated at the Account AIR. Initial Account AIR is disclosed upon approval, varies based on cardholder’s creditworthiness at the time of application. Current AIRs are 31.99%, and 39.99%. Any balance at end of promo period bears interest at the Account AIR. Merchant admin fee of $124 or $149 will be financed with purchase. Annual fee of $24.99 applies. These plans are not available in Quebec. Financing is available for Quebec residents; information is available at point-of-sale. Advertised financing plans provided by Flexiti Financial. Other financing plans also available. See store for details. Delivery fees are extra and paid to a 3rd Party Delivery Service


How do I apply for Flexiti?
Click “Flexiti Payment” during checkout and fill out the easy online application.

How do I pay with Flexiti?
Online: During checkout, select Flexiti as your payment method. You'll be prompted to apply for Flexiti or enter your existing Flexiti account number. From there, select your financing plan and complete your purchase.

In-store: Talk to a sales associate to apply and make purchases with Flexiti.

How do I manage my account?
Visit to register your account online. You'll be able to see your statements, balance and transactions, when your payments are due, and sign up for e-statements and more.

How do I make payments?
Online banking: sign in to your online banking account and add Flexiti (Flexiti Financial) as a bill payee using your 16-digit account number.

By mail: Mail a cheque for your payment to Flexiti Financial Account Services, P.O. Box 340, Orangeville, ON, L9W 2Z7. Include your account number in the cheque's memo field to avoid delays.

How do I Contact Flexiti?
Call 1-877-259-3745 Monday to Friday from 9am to 11pm EST or Saturday and Sunday from 9am to 9pm EST, or email