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APPLY at Royal Furniture

Royal Advantage Credit

The Royal Furniture Advantage Credit Program offers financing options with easy applications and fast credit decisions. That’s right, with Royal Furniture Advantage; you can work directly with our family-owned company and make manageable monthly payments!

Royal Furniture has been helping Mid-South families purchase furniture they love since 1946! We’ve certainly grown over the years to bring our customers new convenient locations and a wider selection of quality, name brands. But still today, our in-house credit team works on-site at our main office, coordinating payment plans for our customers. Depending on your unique needs, employment and history, we offer financing terms ranging from 3 to 30 months, including an option for 90 Days Same-as-Cash! Royal Furniture Advantage Credit furniture financing is more affordable than rent-to-own programs and we document your payments with major credit bureaus to help build your good credit!

We take pride in offering the best values in furniture and mattresses, while also providing terms that fit our customers’ needs. Whether you are just starting out or starting over, it's never been easier to purchase furniture, mattresses and appliances for your home!

A Royal Furniture representative will contact you if you are approved for credit or if more information is needed to process your application. You will be given a copy of any contract you enter into with Royal Furniture, which will include all applicable terms and conditions. A down payment may be required. Call store for details.


When you finance through Royal Furniture In-House credit, we make it simple! You can make your payment each month in one of 4 ways:

In Person
At any Royal Furniture store location

By Phone
Automated 901-579-2099

Check by Mail
Make check payable to Royal Furniture Company
P.O. Box 171307
Memphis, TN 38187

See registration information below for set-up instructions.

For accounts opened through a third-party lender, please refer to your service agreement for bill pay options.

Royal Furniture’s Online Bill Payment System enables customers with Royal Furniture accounts to

  • Pay bill online with an electronic check, debit card or credit card
  • Enroll in Auto-Pay for a convenient, worry-free bill payment every month
  • View statement and payment information 24/7
  • Update information including address, phone and e-mail
  • Sign up to receive text and e-mail alerts when a new statement is available
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