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Make a Payment | Apply Here For Financing
Make a Payment | Apply Here For Financing

Financing

 

So you're thinking about financing?

We would love to help you get started on your financing journey! We currently offer our in-house financing program within our trade area. Click here to view our Trade Area map and full list of zip codes we service. Not in the trade area for in house finance? No problem! We offer several other financing options and will gladly assist you in finding what you need for your dream home!

Apply Now

 

We are Credit Experts

HERE'S HOW IT WORKS:

STEP 1: We try to get you approved with a traditional Revolving Account with Wells Fargo or Synchrony Financial.

Approved? Perfect! Select your merchandise, confirm your deferred interest option, and go on about your day!

Declined? That's okay! Everyone has a bad day—even people that review credit.
See Step 2.

 

STEP 2: Quality Finance!

Our Family Business has lent money to our local communities for over 40 years. We create installment finance contracts while our customers repay in fixed monthly installments. We're not a bank—we're simply a family helping out other families get products they need without the outrageous rent-to-own price tag. We take the risk on good people by requiring as much money down as you can afford. But, we do approve everyone for something! 

We pay sales tax every month and will start you out small, but our goal is to improve your credit, lower the down payment, and sell you more stuff! Unfortunately, we can only finance our local customers at this time, but we're constantly working to add stores in your area.

Our customers can choose to pay over 3,6, 12 or 24 months with rates from 18-24% APR*. APR is based on credit and other factors—we will always show the total cost in paying monthly installments with no service fees, prepayment penalties, deferred interest, or surprises! You do need to be 18 years or older and we do check credit as part of compliance with the OCCC. We will always treat you with respect and dignity, we just ask you communicate with us if something comes up. 

 

STEP 3: Have a Bank Account?

Do you have a down payment doesn't fit the budget? We'll walk you through an application for a 90 days Same-As-Cash lease agreement.

 

Legal Stuff 

Wells Fargo / Synchrony Accounts:

We offer multiple deferred interest options. 

Purchase APR is 29.99%; minimum interest charge is $2. Subject to credit approval. Offer valid for consumer accounts in good standing; subject to change without notice. See finance agreement for details. May not be combined with any other credit promotion offers.

Tidewater Finance:

This is similar to Wells Fargo/Synchrony, but the APR is 34.99% and minimum interest charge is $2. Subject to credit approval. Offer valid for consumer accounts in good standing; subject to change without notice. See finance agreement for details. May not be combined with any other credit promotion offers. 

 

Flexible Layaway Options

Quality Furniture offers a flexible in-store layaway payment plan. Simply pay 20% of the total purchase as a deposit, then make minimum payments of your remaining balance each month for 6 months.

Pricing is guaranteed under this plan for 6 months. You can arrange for pick-up or delivery of your purchase once the balance is paid in full. Product availability cannot be guaranteed, but all deposits and payments are transferable to any other products you select.

 

Payment Options

We also accept cash, check, or the following credit cards: