Financing Offers
3 Ways to Pay
Along the Way
100% financing is our goal, with:
- Credit options Calculate Payments
- Installment options Calculate Payments
- Lease-to-own options
Credit Options: Minimize Your PaymentsLowest Monthly Payments
6 Months Special
Financing†
- No minimum purchase required
- Limited time only
- Purchase online and in stores
- Get 5% off select purchases*
12 Months Special
Financing‡
- No minimum purchase required
- Limited time only
- Purchase online and in stores
- Get 5% off select purchases*
48 Months
Special Financing††
- $999 minimum purchase required
- Limited time only
- Purchase online and in stores
- Not combinable with storewide offer
60 Months Special
Financing†† on Entire Order
- $1499 minimum bedding purchase required
- Requires a mattress, mattress accessory, or adjustable base purchase
- Purchase online and in stores
- Limited time only
- Not combinable with storewide offer
Installment Options: No Ongoing Commitment
0% APR
A simple payment solution—SetPay is a convenient installment loan, giving you the option to pay over time through equal monthly payments. It’s perfect for small or large purchases.
- Not combinable with storewide offer
- Equal monthly payments (up to one year)*
- No interest accrued*
- No ongoing credit commitment
- Obligation ends after payments are paid in full
Apply for SetPay at Checkout
Lease-To-Own Option: Shop Without Credit
120 Days Same as Cash
To start a lease agreement with 120 days same as cash payment option. Available in store only. $298 minimum purchase with down payment as low as $49. See store for full details.
Savings Option: Earn 5% In Cash Rewards
Savings, Rewarded.
Choose from select products, start saving up—and earn 5% in cash rewards toward your purchase. It’s like getting rewarded for saving (no, really!). Buy when you’ve reached your goal.
- Combinable with storewide offer
- Earn 5% cash rewards toward your purchase
- Gradually save up over time
- Invite family and friends to contribute
- No credit, debt or any fees
More Financing Details
60 Months No Interest Financing
††60 months no interest on purchases with Bedding items of $1499 or more with your Designer Looks, Value Plus or Signature Plus credit card made between 6/21/22 - 7/11/22
No interest will be charged and equal monthly payments are required on promo purchase until it is paid in full. The payments equal the initial total promo purchase amount divided by the number of months in promo period, rounded up to the next whole dollar. These payments may be higher than the payments that would be required if the purchase was a non-promotional purchase. Any monthly payments shown in connection with this promotional offer exclude taxes and delivery and should allow you to pay off the promotional purchase within the promo period if (1) you make your payments by the due date each month and (2) this is the only balance on your account during the promo period. If you have other balances on your account, this monthly payment will be added to the minimum payment applicable to those balances. Regular account terms apply to non-promotional purchases. For new accounts: Purchase APR is 29.99%; Minimum Interest Charge is $2. Existing cardholders: See your credit card agreement terms. Subject to credit approval. Offer applies only to single-receipt qualifying purchases. We reserve the right to discontinue or alter the terms of this offer any time.
48 Months No Interest Financing
††48 months no interest on purchases of $999 or more with your Designer Looks, Value Plus or Signature Plus credit card made between 6/21/22 - 7/11/22
No interest will be charged and equal monthly payments are required on promo purchase until it is paid in full. The payments equal the initial total promo purchase amount divided by the number of months in promo period, rounded up to the next whole dollar. These payments may be higher than the payments that would be required if the purchase was a non-promotional purchase. Any monthly payments shown in connection with this promotional offer exclude taxes and delivery and should allow you to pay off the promotional purchase within the promo period if (1) you make your payments by the due date each month and (2) this is the only balance on your account during the promo period. If you have other balances on your account, this monthly payment will be added to the minimum payment applicable to those balances. Regular account terms apply to non-promotional purchases. For new accounts: Purchase APR is 29.99%; Minimum Interest Charge is $2. Existing cardholders: See your credit card agreement terms. Subject to credit approval. Offer applies only to single-receipt qualifying purchases. We reserve the right to discontinue or alter the terms of this offer any time.
12 Months Special Financing
†No Interest if paid in full within 12 Months on qualifying purchases with your Designer Looks, Value Plus or Signature Plus credit card. Interest will be charged to your account from the purchase date if the promotional balance is not paid in full within 12 months. Minimum Monthly Payments required. Combinable with other storewide offers and discounts with no minimum purchase required.
Any suggested equal monthly payment shown in connection with this promotional offer:
- May be greater than the required minimum monthly payment that will be charged on your billing statement;
- Equals the promotional purchase amount divided by the number of months in the promo period (excluding taxes and shipping charges) rounded to the next highest whole dollar, and
- Would pay off the promotional purchase amount within the promo period, but only if there are no other balances on your account at any time during the promo period and you make your payments on time. In such event, your total payments will equal the amount of the promotional purchase amount.
No interest will be charged on the promo balance if you pay it off, in full, within the promo period. If you do not, interest will be charged on the promo balance from the purchase date. The required minimum monthly payments may or may not pay off the promo balance before the end of the promo period depending on purchase amount, promo length and payment allocation. Regular account terms apply to non-promo purchases and, after promo period ends, to the promo balance. For new accounts: Purchase APR is 29.99%; Minimum interest charge is $2. Existing cardholders: See your credit card agreement terms. Subject to credit approval. Offer applies only to single-receipt qualifying purchases. We reserve the right to discontinue or alter the terms of this offer any time.
6 Months Special Financing
‡ No Interest if paid in full within 6 Months on qualifying purchases with your Designer Looks, Value Plus or Signature Plus credit card. Interest will be charged to your account from the purchase date if the promotional balance is not paid in full within 6 months. Minimum Monthly Payments required. Combinable with other storewide offers and discounts with no minimum purchase required.
Any suggested equal monthly payment shown in connection with this promotional offer:
- May be greater than the required minimum monthly payment that will be charged on your billing statement;
- Equals the promotional purchase amount divided by the number of months in the promo period (excluding taxes and shipping charges) rounded to the next highest whole dollar, and
- Would pay off the promotional purchase amount within the promo period, but only if there are no other balances on your account at any time during the promo period and you make your payments on time. In such event, your total payments will equal the amount of the promotional purchase amount.
No interest will be charged on the promo balance if you pay it off, in full, within the promo period. If you do not, interest will be charged on the promo balance from the purchase date. The required minimum monthly payments may or may not pay off the promo balance before the end of the promo period depending on purchase amount, promo length and payment allocation. Regular account terms apply to non-promo purchases and, after promo period ends, to the promo balance. For new accounts: Purchase APR is 29.99%; Minimum interest charge is $2. Existing cardholders: See your credit card agreement terms. Subject to credit approval. Offer applies only to single-receipt qualifying purchases. We reserve the right to discontinue or alter the terms of this offer any time.
No ongoing commitment. Equal monthly payments.
We partner with Synchrony Bank to offer SetPay — a predictable monthly payment option for 0% APR. Select SetPay at checkout.
Here are some examples of what you could pay when you choose SetPay:
Example of monthly payments at 0% APR
| Order Total | 3 Months | 6 Months | 12 Months |
| $75 | $25/month | n/a | n/a |
| $150 | $50/month | $25/month | n/a |
| $300 | $100/month | $50/month | $25/month |
| $900 | $300/month | $150/month | $75/month |
| $1,200 | $400/month | $200/month | $100/month |
*Actual monthly payment is based on the total value of all items in your cart, plus tax and shipping. Subject to credit approval. SetPay is an installment loan product provided by Synchrony Bank. Minimum amount financed of $75. Offer available online only (excludes online chat).
Limited Time Offer. No credit needed!
Start a lease agreement with 120 days same as cash payment option. $298 minimum purchase with initial payment as low as $49.
Select the merchandise you want. We’ll buy that item and lease it to you. You simply make affordable monthly payments — no long term obligation.
- You Pay As You Go. Just make low monthly payments that fit your budget.
- Build Your Credit. Every on-time payment helps create a positive credit history.
- Service Is Included at No Extra Charge. Enjoy your product with no worries.
- Pay in Person, by Phone or Online. Enjoy more convenient payment options.
You can shop with confidence knowing that no credit is needed and flexible payment plans are available, just pay as you go. Plus enjoy the flexibility of knowing you can own your furniture at any time with our early purchase options.
The advertised transaction is a rental-purchase agreement (rent-to-own agreement, consumer rental-purchase agreement or a lease/lease-purchase agreement, depending on your state) with AcceptanceNOW. Offer valid only at participating AcceptanceNOW locations from 6/21/22 - 7/11/22
Manage My Plus Account
Securely manage and pay your bill through Synchrony. Access your plus account to view your balance, pay your bill online or update your information.
Contact Info
For information or questions about your existing financing account dial the toll free number on your statement or the back of your card.
Phone: 1-866-396-8254
Please have your account number ready
Don't have your credit card yet? Call the number on your monthly statement.
