Financing Offers
Credit Options: Lowest Monthly Payments
6 Months
Special Financing
- Combinable with storewide offer
- No minimum purchase required
- Purchase online and in stores
12 Months
Special Financing
- Combinable with storewide offer
- No minimum purchase required
- Purchase online and in stores
36 Months
Special Financing
- Not combinable with storewide offer
- $999 minimum purchase required
- Purchase online and in stores
36 Months No Interest Financing
- Not combinable with store offers
- $999 minimum purchase required
- 36 equal monthly payments required
- Ends August 2, 2021
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.
- 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
Only Pay $49
To start a lease agreement with 120 days same as cash payment option. Available in store only. $298 minimum purchase with down payment of only $49. See store for full details.
More Financing Details
60 Months Promotional Financing
††60 months no interest on purchases with Bedding items of $1499 or more with your Value Plus or Signature Plus credit card made between 07/13/2021 – 08/16/2021. 60 Equal Monthly Payments required. Not combinable with other storewide offers.
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.
36 Months Promotional Financing
††36 months no interest on purchases of $999 or more with your Value Plus or Signature Plus credit card made between 07/13/2021 – 08/02/2021. 36 Equal Monthly Payments required. Not combinable with other storewide offers.
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 Promotional Financing
†No Interest if paid in full within 12 Months on qualifying purchases with your 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 Promotional Financing
‡No Interest if paid in full within 6 Months on qualifying purchases with your 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 | $25/month | n/a |
| $300 | $100 | $50 | $25/month |
| $900 | $300 | $150 | $75 |
| $1,200 | $400 | $200 | $100 |
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 07/13/21 - 08/02/21. Offer only valid for products priced at $298 or more. Ownership is optional. You will not own the merchandise until the total amount necessary to acquire ownership is paid in full or you exercise your early purchase option. Offer will not reduce number of payments, total amount necessary to acquire ownership, or purchase option amount. “$49 to start” requires enrollment in Autopay. $99 first payment required if not enrolled in Autopay. Initial payment applies to time from agreement start date to first scheduled renewal payment, up to a maximum of 15 days. Tax, Processing Fee (if applicable), Loss-Damage Waiver, and Benefits Plus included, but some fees may be deferred to 1st renewal payment. Offer valid on new agreements only and cannot be combined with any other promotion. “120-days same as cash” refers to early purchase option established in the rental-purchase agreement. 120-day early purchase option not valid in all locations. Some restrictions may apply. See AcceptanceNOW associate for complete details.
“No Credit Needed” does not mean or imply that no inquiry will be made of credit history or creditworthiness. We may check past transactional history, but no established FICO score or credit history is necessary. Lease agreement requires, at minimum, verification of residence, income, and personal references. “Flexible Ownership Options” refers to monthly lease and early purchase options, including 90-day and 120-day options
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.
Buy online. Pick up for free.
1. Order
Shop online anytime day or night.
2. Select
Select “pick up” in checkout and choose your location.
3. Pick Up
We’ll notify you when your order is ready.