Furniture Financing

Furniture store owners and adjustable bed and mattress businesses can make the shopping process more rewarding and less stressful for those dealing with urgent needs and limited budgets. By offering easy furniture financing from United Consumer Financial Services (UCFS), not only can retailers move inventory, but they can also send customers home with the furniture they want — and payment plans that meet their needs.

How To Offer Easy Furniture Financing Options

  • As a furniture or mattress retailer, you can sign up to become a business that offers UCFS financing options to customers (no registration fee, allow 3-4 business days)
  • If a customer is interested in making their furniture or mattress purchase with low monthly payments, you can guide them through an easy online credit application
  • Within minutes, you’ll be notified if the credit application was approved, and the approval easily converts to a contract
  • Merchant are paid promptly, usually within 2-3 business days after contract signing
  • Customers begin repayment of the financed amount to UCFS after 30 days
Why Customers Want To Finance Their Furniture Purchases
  • They can get the items they need now and pay it off in a few years or less
  • Payments are spread out over a set length of time and are easier to manage compared to a large lump sum. Number of monthly payments range between 6 and 48 months.
  • They’ll get low monthly payment dollar amounts that work with most budgets, so daily cash flow covers the cost of daily life!
  • Unlike some other furniture financing companies, UCFS offers fast, friendly service and an easy application process that makes furniture, adjustable bed and mattress buying less intimidating.

To help mattress retailers and furniture businesses meet their operational goals in an ever-changing market, and make it possible for customers to update or furnish their living spaces from scratch, financing is an ideal method of payment for both shoppers and sellers. By offering an easy furniture financing solution, you can set your stores apart in the industry and help those who might rely on available cash and credit cards to cover daily living expenses. Customers can make their homes more welcoming now and pay their furniture off over time at a low monthly fixed amount.

UCFS Furniture Financing Advantages Include:
  • Credit decisions on consumer credit applications in minutes
  • A high percentage of approved customers, even those with credit quality that is not optimal
  • The capability to finance amounts of $1,000 to $10,000
  • Low, fixed monthly payments with a set number of months
  • Consumer interest rates that are competitive or lower than other furniture financing companies
  • No penalty if the consumer pays off their balance early
  • Customer auto-pay by credit card, debit card or bank account
  • An online merchant portal to submit credit applications, create contracts and review accounts
  • Full-service customer website for review balance
  • No-interest, same-as-cash options
  • Prompt payment from UCFS to the business, usually in one to three days.
Everyone deserves a cozier home

UCFS has been offering financing solutions to accommodate budgets of all sizes since 1980. We’re committed to helping furniture retailers provide the products customers need to create the homes they’ve always dreamed of. And thanks to reasonable terms and low monthly payments, getting furniture no longer has to be an overwhelming task.

UCFS partners with furniture retailers, adjustable bed businesses, mattress retailers/mattress warehouse retailers and furniture call centers to offer financing options to consumers. If you are a customer who wants to finance a purchase, please have your favorite business contact UCFS about our financing programs.

Learn how offering consumer financing can help your business grow.

Give us a call at 877-373-3482 or fill out the form below.

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