We realize that sometimes there’s some confusion with customers about our financing and how it all works. Especially when it comes to our in-house financing options and our store credit card available through Wells Fargo. It’s ultimately on us to do a better job explaining how our in-house financing works and sharing the tons of benefits it can offer you, our valued customer.
We get it. Talking about financing, interest rates, and monthly payments can be about as interesting as watching paint dry. That’s why we wanted to take a few minutes to explain – in plain English – how our Woodstock Furniture Outlet credit card works. After all, how can you know which finance option is best for you if we aren’t clear on how they work or the benefits they offer?
Read on for everything you should know about our Woodstock Furniture & Mattress Outlet store credit card.
What Benefits Can I Expect from the Woodstock Outlet Credit Card from Wells Fargo?
When it comes to our different finance options and ways to pay, did you know that our in-house financing takes the form of our very own Woodstock Furniture Outlet Credit Card? That means that any time you see mention of special financing, everyday financing, in-house financing, or financing through Wells Fargo, we’re talking about our Woodstock Furniture Outlet credit card available with approved credit through Wells Fargo.
Thanks to our partnership with Wells Fargo Bank, we’re able to offer tons of extra benefits to qualified buyers through our very own store credit card. Our credit card is incredibly convenient and can increase your spending power, making your next furniture shopping experience a breeze! Here are just a few of the great benefits of the Woodstock Furniture Outlet credit card:
Apply Online Before Coming In

If you know in advance that you’re planning to finance your purchase, you can apply online and get approved for a line of credit before your visit. Avoid the stress of not knowing if you’ll be approved for a certain finance offer or not. If you do the paperwork ahead of time, you’ll know exactly how much credit you have and what your terms are. That way, all you have to do when you come in is to find the exact pieces you’re looking for!
Fund the Next Project in Your Home
When you use our card, that credit line doesn’t just disappear like a one-and-done loan. In fact, you can still use your line of credit for up to 36 months after you pay off your original purchase! You can even request a credit limit increase.
Got another room you need to refurnish? Just come on in! No need to apply for a new line of credit or bother with another credit check. Just remember, after 36 months of inactivity, you’ll need to reapply.
Customize Your Financing
With Woodstock Furniture Outlet credit card, you have the option to tailor your finance plan to fit your budget. This includes the ability to customize your down payment, monthly payments, and term length. Hold on though, we’ll dive deeper into the details below.
Leverage the Size, Power, & Convenience of Wells Fargo
Do you already have an account with Wells Fargo? If so, this one is a huge bonus. Simply make your monthly payments directly from the Wells Fargo mobile banking app or online at wellsfargo.com.
There’s no need to jump through hoops to set up a new account, learn a new online portal, or remember yet another login and password. you’ll be able to sidestep this process entirely. And even if you don’t have an account with Wells Fargo, starting one on their website or app is quick and easy.
How Does It Work? 4 Ways to Finance with the Woodstock Furniture Outlet Credit Card
Now for the specifics. There are four types of financing through the Woodstock Furniture Outlet Credit Card. The first three can be used for any furniture or mattress purchase, while the last one is specific to mattresses. All four require a credit application, credit check, and approval.
Everyday Offer #1 | 12-Month Financing
Just as we strive to offer our shoppers our best prices each and every day, our every day standard financing is a 12-month term, no money down, no minimum purchase, and no interest if paid in full within 12 months.¹ What does this mean for you? It means that you can make a purchase on credit, without a down payment, and pay no interest whatsoever as long as you pay it off within a 12-month period!
Here’s how it works:
- Interest accrues at 28.99% APR for purchases from the sale date, however, you don’t have to pay this interest if you pay off your balance during the 12-month promotional period.
- You’ll need to pay more than the minimum monthly payment (or pay in a lump sum) to pay off your purchase amount during the promotional period.
- If you don’t pay off your purchase balance by the end of the promotional period, you’ll pay the remaining balance plus the interest that has accrued since the purchase date.
- The regular 28.99% APR will apply to any new charges on your account, like late payment fees or new purchases.
Everyday Offer #2 | 60-Month Special Financing
Our second offer is what you’ll hear us refer to as our special financing. This finance plan is a low-interest option spread across a longer period. Our special financing includes 60 monthly payments, no money down, no minimum purchase, and an 8.99% interest rate.²
With our special financing, you will pay interest, but at a relatively low rate. This option is one of our most popular with customers, especially if you’re buying multiple pieces or larger ticket items. By spreading the payments across a longer period, payments are a great deal lower too, making this option a huge plus for many shoppers.
Here’s how it works:
- Interest will accrue on your purchase at 8.99% from the purchase date until the purchase is paid in full.
- You’ll need to make at least the minimum payment by the due date each month to avoid late fees.
- The regular 28.99% APR will apply to any new charges on your account, like late payment fees or new purchases.
“Pick Your Plan” | Custom Financing
Third, we come to our personalized, custom financing plans. With this option, our salespeople will ask you what you’d like your monthly payments to be, and then we’ll work with you to make it happen.
With this option, we have the ability to spread out your payments from anywhere between 12 months and 60 months, with no minimum purchase and no interest if paid in full by the end of the term. However, a down payment may be required in order to reach your ideal monthly payment amount. Be sure to ask your salesperson for more details!
Mattress-Specific Financing Plans
Finally, we have a handful of mattress-specific financing options unique to different mattress companies. We’ve partnered with Tempur-Pedic, Stearns & Foster, and Sealy to offer you these great financing plans on some of our top mattress brands:
- Tempur-Pedic – 72-Month, no money down, 0% APR during promotional period³
- Stearns & Foster – 36-Month, no money down, 0% APR during promotional period³
- Sealy (hybrids only) – 24-Month, no money down, 0% APR during promotional period³
Apply for Your Woodstock Furniture & Mattress Outlet Credit Card Today!
Which option are you leaning towards for your next furniture purchase? Don’t hesitate to give our finance experts a call, visit us at any of our 6 North Georgia furniture and mattress stores or shoot us a message on our convenient web chat.
Now that you know how Woodstock Furniture & Mattress Outlet Credit Card works and how it can streamline your furniture shopping experience, feel free to start your application today!
Disclosures & Additional Information
1-3: The Woodstock Furniture credit card is issued by Wells Fargo Bank, N.A. For new accounts, the APR for Purchases is 28.99%. If you are charged interest in any billing cycle, the minimum interest charge will be $1.00. This information is accurate as of 08/01/2022 and is subject to change. For current information, call us at 1-800-431-5921.
1. 12-Month Plan: Special terms apply to qualifying purchases charged with approved credit. Minimum monthly payments are required during the promotional (special terms) period. Interest will be charged to your account from the purchase date at the APR for Purchases if the purchase balance is not paid in full within the promotional period. Paying only the minimum monthly payment will not pay off the purchase balance before the end of the promotional period.
2. 60-Month Plan: Special terms apply to qualifying purchases charged with approved credit. The special terms APR of 8.99% will apply to the qualifying purchase, and 60 monthly payments equal to 2.0888% of the original special terms balance are required. The advertised terms are an estimate assuming required monthly payments are made on the payment due date; no other balances are currently carried or will be carried on the account; and no additional charges are or will be added to the account. Because your actual account activity may be different than the assumptions used, or because of rounding, the number of payments or the final payment amount could be different than the advertised terms. The special terms APR will continue to apply until all qualifying purchases are paid in full. The APR for Purchases will apply to certain fees such as a late payment fee or if you use the card for other transactions.
3. 0% APR (Mattress purchases): Special terms apply to qualifying mattress purchases charged with approved credit. The special terms APR for 24, 36, or 72 months will continue to apply until all qualifying purchases are paid in full. The monthly payment for this purchase will be the amount that will pay for the purchase in full in equal payments during the promotional (special terms) period. The APR for Purchases will apply to certain fees such as a late payment fee or if you use the card for other transactions.