Credit Terms

Standard credit application procedures apply. Text message must be presented when opening, re-opening or adding to an existing an account. Proof of identification and address is required. Sales tax is extra. See local store for full details. Standard APR will apply. Farmers Home Furniture has the right to void credit availability offers and discount offers if the customer no longer meets the criteria or any applicable criteria bearing on the customers’ credit worthiness. Credit line amount may not be used to apply on an existing account. Terms and discounts do not apply to prior purchases. Discounts off your furniture or bedding purchase may not be to apply toward an existing account or used in conjunction with any other offer. Discounts are off Farmers Home Furniture Every Day Low Pricing.

No Interest Ever Terms: Our 24-month no interest finance offer is subject to approved credit and applies to a single receipt qualifying purchase with an approved Farmers home Furniture account. Minimum purchase of $2,000 and 10% down payment is required. This offer cannot be combined with any other discounts. No interest will be charged only on the 24-month financed purchase. The financed purchase amount will be divided by 24 equal required monthly payments rounded to the next dollar.

12 Months No Interest: Our 12 month no interest finance offer is subject to approved credit and [applies to a single receipt qualifying purchase with an approved Farmers home Furniture account]. Minimum purchase of $699 and a down payment equal to the sales tax is required. Interest and optional insurance charges will accrue from the date of purchase, but interest will be rebated if the amount financed and any earned insurance charges are paid in full within 12 months of the purchase date. Buyer will not be eligible for the interest charge rebate if any monthly payment is over 30 days late.

Farmers Smart Credit: Annual Percentage Rate (APR) for purchases will vary by state: Alabama 27.99%; Florida 26.99%; Georgia 24.99%; Kentucky 29.99%; North Carolina 23.89%; South Carolina 24%; Tennessee 21.4%. All finance options are subject to credit approval and minimum credit rating score. If you have an outstanding balance with us from a prior purchase credit terms may differ from those shown as a result of consolidating your new purchase with that outstanding balance.

Lease to Own: The Lease to Own is a lease-to-own product. You will not own the leased items unless you make all scheduled payments or prepay in accordance with the lease terms. Details will vary by state. No credit needed does not imply no credit check. We do perform a credit check on customers as part of our application process.