Financing Options

Furniture Warehouse provides financing for our customers who want to choose low monthly payments. Opening an account is easy. Simply come by our store and fill out a short application. We are usually able to process your application in less than fifteen minutes.

A Preferred Customer Revolving Charge Account provided by Synchrony Financial is available as well as traditional installment financing through Mariner Finance. Installment plans through Mariner Finance carry an APR of 21.00%. Revolving accounts through Synchrony Financial carry an APR of 29.99%.

On Mariner and Personal Finance accounts, you can calculate the annual finance charge by multiplying the amount purchased by 11.75%.

Example:
You make of purchase totaling $1000 and wish to finance that amount of 12 months. To calculate your finance charge and monthly payment follow these steps:

1. $1000 cash price X .1175 = $117.50 finance charge.
2. Add the cash price to the finance charge and you get the total of payments for one year, $1117.50.
3. Divide that by 12 months and you get a monthly payment of $93.13.

The total finance charge increases as the term increases. Generally, we write installment contracts with a term between 12 and 36 months.

A sales associate will be happy to discuss our financing options in more detail, call (615) 256-5200. Valid identification, such as a state issued id or driver's license as well as another form of id (a valid credit card, work id, college id, ect.) is required to open your account.

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