Finance

Start Relaxing Today. Pay Later. 

Take Advantage of 0% Financing Options

Financing makes sense for many of our customers, and it’s an ownership option that may make sense for you. We offer a variety of 0% financing options from which to choose, and all of the applications are quick and simple. We even offer commercial leasing options for those buying for a workplace.

Here are a few things that most people take into consideration when deciding between financing and one-time payment with a credit card. We have heard from customers that stepping through this short list of questions really helped them make the right decision of how to pay for their purchase. 

Ask Yourself This

Am I making this purchase to replace visits to a massage therapist or chiropractor? When I add up the monthly cost of those visits, is there a financing plan that would allow me to spend less than I was already comfortable spending on professional services? 

By using one of our 0% financing options, many customers REDUCE real monthly out-of-pocket expenses. This is a compelling reason for many to choose to finance. We will even help tailor a finance programme that gets you to a monthly payment at or below what you already have budgeted to spend each month. 

The best news is this: after you make the last payment on the financing, your monthly payments drop to nothing even though you still get to use your product.

Am I the kind of person who prefers to earn points or rebates on my credit card, or would I prefer extended payment terms? 

Credit cards are sometimes loaded with benefits that our customers appreciate. We have noticed that people like their POINTS. Your purchase from us could get you 20%, 30%, 40% of the points you need to redeem a free flight, earn hotel benefits, or it might tip you over the edge to buying a gift for yourself or someone you love.

People also like credit card REBATES, and some credit cards offer between 1% and 3% back on spending. If you use a card with rebates you’ll want to factor this in when choosing how to pay for your Furniture For Life purchase. 

We will even help you split payments and build a “hybrid” programme where a portion of your purchase is charged to a credit card and a portion is financed. You can split the purchase however you like, and paying a portion up front may benefit you in these ways:

  • Lower your monthly payment over the finance term.
  • Reduce the number of monthly payments.
  • Take advantage of some points or rebates AND benefit from a reasonable monthly payment

Do I have a cash balance in the bank that I would like to preserve? Is a one-time payment more than I have right now or care to spend all at once?

If your answer is yes, then financing (or hybrid pay) is a great option to explore. Your Comfort Consultant can help you choose the 0% finance plan that is right for you

Answers to a few basic questions about the financing process

Basically, what are the steps to financing a purchase?

They are simple and take very little time.

STEP 1. Contact your Comfort Consultant by phone on 01691 655194 or Chat to explore options.

STEP 2. Get the approval answer. All our finance partners deliver quick decisions within minutes.

STEP 3. Have your remaining product questions addressed by a Comfort Consultant.

STEP 4. We’ll then help you process your order through the finance or hybrid program you choose. This step takes no more time than processing a regular credit card payment.

How long does the application take?

About 5-minutes. 

How long does it take to get approved?

Approvals can be returned in seconds. Sometimes it will take 5 minutes. On occasion, a finance company may need to speak with you directly about your application. This can add another 2-3 minutes to the process.

Do I have to share my personal financial data with Furniture For Life or my Comfort Consultant?

Nope. Never. Not at all. If you desire, you can keep this strictly between you and the finance company. We don’t need to know a thing about your personal financial data, social security number, income, or anything else you care to keep private in your finance application. 

How much will I be approved for?

That depends on how much is requested, your credit score, and other factors determined by the financing company which we are not privy to.

What are the limitations to the programme?

All financing is subject to credit approval by a 3rd party financing company. Financing requires minimum monthly payments. Programmes up to 36 months may be combined with other offers.

Is financing really free? How can companies offer me a loan for 0% cost or interest?

A 0% financing really is free to you. If you make the monthly payments as required by the financing company, you will pay the actual purchase price reflected on your receipt and not one penny more. 

So how do finance lend you money for nothing?

It’s a great question with a simple answer: we (the retailer) are charged a fee to provide you with a 0% finance option. The longer the term, the more we pay for you to carry the balance that you owe the finance company.

Commercial and Business Leasing 

Happy teams are more productive teams. Offer your staff the luxury and comfort of the best 15-minute break ever: a luxury massage session in a Furniture For Life product.. 

Let us help your organisation arrange commercial leasing at competitive. For those managing cash or capital budgets, our lease options have worked out very well.

Please contact a Comfort Consultant for more details. He or she will get you in touch with our B2B sales team.