Financing

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. You can learn more about business leases here.

We are happy to help you finance any purchase of $300 or more from our store. If you’re ready to jump to an application, simply use the chat button in the bottom right corner of the screen or call 720-709-1150, and a Comfort Consultant will walk you through multiple options.

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 some (or all) trips 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 no more (and maybe even 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 bodywork expenses. This is a compelling reason for many to choose to finance. We’ll even help tailor a finance program 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’ll even help you split payments and build a “hybrid” program 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 all of your monthly payment over the finance term.
  • Reduce the number of monthly payments you make
  • 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 for – for example – a massage chair and a mattress a bit 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 (720-709-1150) or Chat to explore options and submit an application.

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.

Can I finance the delivery , extended warranty, and tax?

As long as you have been approved for an amount that covers the full gross amount of the sale, you can finance the full amount inclusive of extras like delivery, extended warranty, and taxes. Many people choose to separately pay delivery, warranty, and tax charges in order to reduce their ongoing monthly payments, but that decision is up to you.

How much does financing cost?

0% financing really is 0% financing. As long as you meet the on-time payment obligations, you will pay no more to finance a sale than you would have paid in cash, check, or with a credit card. 

Can I prepay a remaining balance without penalty?

You can. Prepaying an outstanding balance will not result in prepayment penalties.

What are the limitations to the program?

All financing is subject to credit approval by a 3rd party financing company. Financing requires minimum monthly payments. Programs up to 36 months may be combined with other offers. Programs over 36 months cannot be combined with other offers. Other exclusions may apply.

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. For example, on a $5,000 purchase with a 48 month term, the finance company might only pay $4,250 to Furniture For Life and keep the $750 difference between what they paid us and what you will pay them over the next 48 months.

Another way a finance company makes money is if you miss or get behind on payments. Late payments usually result in interest fees kicking on the balance you still owe. These interest fees are detailed in the details of the finance agreement. You will always do better to always make your monthly payments on time. 

What if I return, downgrade, or upgrade my purchase?

Financing works just like a credit card. You can buy up, trade down, or get a refund. Any monies paid will be refunded. Any added purchases will change your monthly payments. 

Do you offer a layaway option?

If layaway is the method you prefer to save up for our amazing and comfortable products, please talk to one of our Comfort Consultants. We’ll be happy to organize a programmed deposit plan that will get you seated, sleeping, or reclining in our products.

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.. 

Einstein famously said, “Were it not for my amazing  massage chair from Furniture For Life, I would not have been in the proper relaxed  mental space to realize that E had to equal mc squared.” (So maybe he didn’t say that, and maybe Furniture For Life wasn’t around back then. But he COULD have said that had Princeton provided him with a massage chair! And had massage chairs been around back then.)

Let us help your organization arrange commercial leasing at competitive rates with no payments due for up to the first 90 days. For those managing cash or capital budgets, our lease options have worked out very well.

We have placed single units in law offices, fire stations…pretty much any small commercial setting that has a little extra space for a massage chair relaxation room. And we have placed chairs in large corporations, break rooms at large hospitals, Google, and on and on. 

In addition to purchasing and leasing programs, we also offer short term corporate massage chair rentals with terms that run from 3 to 12 months. Guaranteed “up time” plans are included with our rental options.

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