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.