GET THE CREDIT YOU DESERVE!

Furniture 4 Less is the local leader in flexible financing terms! 

For customers with established good credit, we offer zero down payment/0% interest programs for up to 12 months, usually depending on the amount of the purchase. Minimum monthly payments can be tailored to meet the needs of the individual customer’s budget. In general, for those with good credit, we have the same plans as all national retailers, etc. We offer financing through our approved lenders, Lendmark, American General, and a new lender we are very excited about, Mariner Finance of Germantown. We also underwrite our own finance deals! 

What makes us different?  

Furniture 4 less is the only local retailer who offers credit terms to those customers who may have less than perfect credit. Furniture 4 less can underwrite its own finance deals, this means, we can establish or reestablish credit for those customers who may not qualify for credit elsewhere. “Furniture 4 Less” accounts, show up, almost immediately on your credit report as “furn 4 less”. Your historical payment information is reported to the bureau monthly. By opening an account at our store, and making all payments as agreed, you can establish credit, or in the case of customers with existing credit problems, reestablish your credit and increase your credit score, etc. Terms are flexible, payments and down payments, in many cases can be tailored to meet the needs of your individual budget. Since we began making our own finance deals in 2004 we have helped establish credit for over 1000 customers. By establishing credit with us, and therefore creating a positive credit report and higher score, many of our customers have gone on to purchase cars and homes, and have realized many of their individual financial dreams, etc! Let us help you start on the road to achieving your dreams and goals!  

Whether you have great credit, no credit, or have had some problems in the past, we can help. The process is simple, come to the store and fill out a simple application. Usually within 15-30 minutes, we will know if you are approved, and what the terms are for your specific situation. You will be required to prove your identity, please bring your unexpired state issued drivers license, ID card, or passport with you. Sorry, we no longer accept applications online, or over the phone.  

For over 11 years, we have been helping consumers, just like you; buy the furniture they have always wanted by arranging flexible credit terms! Give us a call, or send us an email, and find out what we can do for you! To reach our Finance Manager directly, simply put “Credit” in the heading of your email, and it will be sent directly to the right department. We look forward to working with you soon!