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.

  • 6 – 24 Months No Interest Programs with Minimum Payments – Same as cash
  • 24 – 60 Months No Interest Programs with Equal Payments
  • Rebates
  • Discount Specials

Alternate Credit Services – (Second Look Credit Services)

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-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
  • 12-Month Lease Program