We’ve been in the furniture business a long time — since 1988 to be exact. However, since we’ve been in this industry for decades, we have to be mindful that just because something seems routine to us, doesn’t mean it’s common knowledge to our customers.
This article is for those who are a little hazy on the details about furniture shopping and how to pay. Maybe it’s been a while since you’ve bought furniture. Or perhaps this is your first big furniture purchase. Or maybe it’s just the first time you’ve bought from Woodstock Furniture & Mattress Outlet and you want to know your options. Either way, welcome!
When it comes to buying furniture (or anything else) there are a few absolutely necessary steps in the buying process. From beginning the search for that perfect piece of furniture, to its final delivery and installation, every customer’s buying journey has the same few steps in common.
After reading this article, you’ll know all the different ways you can pay here at Woodstock Furniture & Mattress Outlet, and be able to understand which option is right for you.
Buy Today, Pay Today!
First and most straight-forward, if you’d like to pay for your purchase right away, we accept payment in the form of cash, check and credit card. Just remember, checks must be linked to an established checking account.
As for credit cards, we’re happy to accept payments from Visa, Mastercard, Discover and American Express. We also accept NFC payments from digital wallets like Apple Pay, Google Pay and Samsung Pay.
Immediate payment options like these are perfect for the shopper who has enough money or credit already available.
What Are My Financing Options?
This is one of the single most common questions that we get — both in store and online. If you’d prefer to pay over time, financing may be the right option for you.
Ultimately, our goal is to have a wide range of financing options so that we can find the perfect solution for every single customer and their budget. Our financing options range from zero-interest to low-interest, with terms ranging from 6-weeks, to 90-days, to even 60 months. Regardless of your credit score or how much cash you have on-hand today, we have a payment option for you.
Financing through Wells Fargo, Synchrony Bank or Great American Finance Company
These options are what most of us think of when we hear the word financing. Our in-house financing is handled via our own Woodstock Furniture & Mattress Outlet credit card issued by Wells Fargo. However, we also offer financing through Synchrony Bank and Great American Finance Co.
With financing from these banking partners, we are truly able to customize payment amounts, loan term lengths, and interest rates for qualifying buyers. Depending on your purchase total, down payment, income and credit score, we can work with you to customize financing that fits your budget.
Remember, traditional financing like this does require a credit check. Keep in mind that while applications for financing with these lenders can be started online, both Synchrony Bank and Great American Finance credit applications must be completed in-store during checkout.
If you’re looking for flexible financing, want custom payment terms to work with your budget, or want to pay over a longer time frame, buying with these lenders may be perfect for you.
Buy Now, Pay Later through Affirm
We also accept payments through Affirm, whether online or at any of our North Georgia furniture and mattress stores.
You might be asking, “What is Affirm and how does it work? Affirm and similar lenders are definitely the new kids on the block in the world of financing.
Commonly known as BNPL Services (which stands for “buy now, pay later“), Affirm and similar companies offer customers short-term, micro-installment loans. In Affirm’s case, consumers can repay their loan over the course of as little as 6 weeks. These services typically only require a soft credit check, and have few drawbacks when it comes to fees/interest.
Through Affirm, you can buy your furniture or mattress and pay it off in 4 interest-free payments (1 payment up front when you purchase, and 3 more payments spaced 2 weeks apart). Alternatively, borrowers can arrange to make more traditional payments in flexible, low-interest, monthly installments.
Planning in advance to pay off your furniture purchase in a shorter time frame? Do you want a convenient option with no credit check? If so, Affirm may be the perfect match for you.
No-Credit-Needed Payment Options (Lease-to-Own)
Finally, we do offer several no-credit-needed payment options through Acima Leasing, Kornerstone Credit and Progressive Leasing. To clarify, technically these payment options aren’t financing — they are lease-to-own programs. Much like a car loan, the lender owns your furniture or mattress until you’ve made your final lease payment.
While each lender has their own policies, each offers 12-month leases with a 90-day purchase option. Additionally, like Affirm above, these lenders won’t perform a hard check on your credit. However, keep in mind that both on-time and late payments are reported to the credit bureaus like any other loan.
If you want to bypass the credit check and don’t mind paying over time, you should consider our lease-to-own options.
Which Payment or Finance Option Is Best for You?
Which option sounds like the right fit for you? Well, it all depends on what is most important to you.
If you want our most flexible financing to work with your budget or want to pay for your purchase over a longer period, special financing through Wells Fargo or Synchrony Bank is absolutely going to be your best bet. If your credit isn’t the best or you’re trying to avoid hard checks on your credit, one of our lease-to-own options might be a better fit for you. However, if you’re planning on paying off your balance quickly, an interest-free, short-term financing offer from Affirm may be perfect.
For more details on financing and payments, please review our payment options page or call our experts at your nearest Woodstock Furniture & Mattress Outlet location.
