America's Premier Furniture and Mattress Buying Group


Consumer Financing

Furniture First brings its Members a variety of consumer financing solutions to help close sales, whether your store serves the upper end with whole home design, or the promotional, first time furniture buyer market.

Traditional Financing

Furniture First Members receive preferred rates for traditional consumer financing with established consumer credit lenders. our program gives Members the opportunity to increase traffic, close more sales and increase customer loyalty while earning quarterly and annual rebates. To make a great deal even better, Furniture First invests approximately $3,000 per participating member to buy-down financing rates on all product categories. The benefits of our program include:

  • 6 – 24 Months No Interest Programs with Minimum Payments – Same as cash
  • 24 – 72 Months No Interest Programs with Equal Payments
  • Rebates
  • Quarterly Special Promotions that Furniture First helps buy down
  • Over 70% Approval Rate – higher than the industry average!
  • Average Consumer Credit Line close to $8,500 – higher than the industry average!

Alternate Credit Services – (Second Look Credit Services)

You don’t have to say goodbye to customers who don’t qualify for primary consumer financing program. Furniture First works with several sub-prime lending companies so that our Members can sell more furniture. We even have a self-serve financing kiosk that allows your customers to enter their personal information once and get approved at the most appropriate level.

A Furniture First partnership bridges the credit availability gap by financing products for customers often passed over by traditional lenders. This partner provides credit opportunities to retail customers who may have experienced financial difficulties in the past, but who currently demonstrate the financial capability and initiative to establish new, positive credit and payment patterns.

This partner offers credit for customers with:

  • Limited credit histories
  • Completed bankruptcies
  • Poor credit histories
  • High debt ratio
  • Low ranking military

Leasing Made Easy

Through another beneficial partnership, Members can close more sales with customers who have FICO credit scores in the 400s. Short term financing is available with a 90-Day minimum payment SAC program. The 12 -24 Month Lease option acquires the assets (the furniture) and establishes a lease-to-own relationship with the customer. Unlike most lease companies, the application process is not time consuming and does not require documentation that the customer must leave the store to retrieve. Both options allow your associates to close the sale while the prospect is eager to buy and still in your store.

Payment options include:

  • 90 Days Same as Cash
  • 24 Month Lease Program