You could pay now… but why not take your time?

Take advantage of our financing  plans that give you the flexibility of interest-free time to pay!
  • No Payment/Same as Cash Plan
  • Available on Furniture, Mattresses, and Accessories!
  • No Minimum Purchase Required!
  • Fast process, instant approval and access to your card while you shop!
  • Our Perfect Home Card frees up your cash, lines of credit, and credit cards for other expenses and emergencies!
  • No Purchase Necessary!

How it works…

With our No Pay SAC* plans, payment isn’t due until the end of the financing term. Interest will accrue on the purchase from the beginning of the term. Full payment is due by the expiration of the term. If paid in full, all accrued interest charges will be waived. If the purchase is not paid in full by the term expiration date, all accrued interest charges will be assessed and charged to the Cardholder’s account.*

Compare our convenient No Pay SAC plans below!

3 Months 

6 Months

9 Months 

12 Months

Amin Fee: $0 Admin Fee: $49.99 Admin Fee: $79.99 Admin Fee: $129.99

Financing Options:  

Take it home today (interest free term*)

Furniture Depot's flexible finance packages make it so easy and affordable to transform your home. Simply choose the furniture that is perfect for your home and then choose the finance package that's perfect for your budget.

At Furniture Depot, you have the choice of payment terms and plans to suit your individual financial needs.

Apply for your Furniture Depot Card Now!

Financing your purchase through Furniture Depot Fairstone Financial has these benefits:

  • Flexible payment options.
  • Payment plans ranging from 3, 6, or 12 months.
  • Save more of your hard-earned money and enjoy 0% interest!
  • Be the first-to-know about product launches and special events
  • Front-of-the-line access to events and sales.
  • Quick applications process while you shop, with instant access to your account. 


No Payment / Same as Cash: Interest accrues but no payments are due during the length of the program. Full payment is due at the end of the plan, otherwise all the accrued interest will be assessed and charged at that time and the standard APR of 29.99% will apply to the outstanding balance.*

* On approved credit. Admin fees applicable. $21 annual fee for Furniture Depot Fairstone card issued after credit approval. Your Fairstone financing plan will start the same date as your furniture purchase. Terms and conditions apply. See store for more details. For in-store purchases only; Financing not available for online purchases.

We also accept Visa, Mastercard, American Express, Debit cards, Paypal

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We also offer Free Layaway!

For additional information, please contact our store to speak with a representative about our latest financing options.