Furniture Store Financing

Furniture retail and consumer financing have been partners for decades—for good reason. Furniture is a considered purchase. Customers shop multiple stores. The ticket is significant ($1,000-$10,000+ for room furnishings). Monthly payments make the difference between closing the sale and watching customers walk.

The furniture financing playbook is proven: promotional 0% APR financing. "No interest if paid in full within 12 months." This messaging has sold countless sofas, bedroom sets, and dining tables. Customers love it because it feels like an interest-free loan. Retailers love it because it closes sales.

For furniture retailers, financing increases both conversion and average sale. Customers who finance buy more. That $1,200 sofa becomes a $2,400 living room set when monthly payments are manageable. That single mattress purchase becomes a bedroom suite.

Private label credit cards have traditionally dominated furniture financing, but modern options offer more flexibility. Synchrony, Wells Fargo Retail Services, Affirm, and others provide furniture-friendly terms. Some customers prefer store cards; others prefer their existing Affirm or Afterpay accounts.

The key to furniture financing success is proactive presentation. Don't wait for customers to ask about payments. Lead with monthly payment messaging. Train sales staff to calculate and present monthly payments for every significant purchase. "This bedroom set is $3,200, or about $135/month with our 24-month financing."

Unison Payment Solutions helps furniture retailers implement financing that closes sales. We assess your customer demographics, average ticket, and sales process to recommend the right financing mix. Integration with your POS ensures seamless checkout whether customers pay cash, card, or financing.

How It Works

1. Apply online — takes less than 10 minutes
2. Get approved — most merchants within 24 to 48 hours
3. We configure everything — custom settings, integrations, and branding
4. Hands-on training — your team learns every feature

What you will not find with Unison:

• No long-term contracts
• No early termination fees
• No setup charges

Already with another provider? We analyze your current setup, find savings, and manage the full switch. Contact us today for a free consultation.

Unison works with businesses of all sizes. Whether you run a single location or manage dozens, furniture store financing adapts to your needs.

Small Businesses & Startups

• No contracts, no setup fees, no minimum volumes
• Same enterprise-grade technology as larger merchants
• Dedicated account manager from day one
• Scales with you as your business grows

Established & High-Volume Businesses

• Custom pricing based on volume
• Multi-location management and reporting
• API integrations with existing systems
• Priority support and a single relationship manager

High-Risk Industries

CBD, peptides, gaming, and eCommerce businesses get stable accounts through our high-risk merchant accounts. We pair you with banks that specialize in your industry and include chargeback prevention and fraud monitoring.