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Furniture Monthly Financing at Royal Furniture

Royal Credit

The Royal Advantage Credit Program offers financing options to fit any budget, without the hassle of dealing with large banks. That’s right, with Royal Advantage, you can work directly with our family-owned company and make easy 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 credit history, we offer financing terms ranging from 3 to 30 months, including an option for 90 Days Same-as-Cash! Royal Advantage 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 special financing terms that fit our customers’ needs. Whether you have a great credit history, or need to build or repair your credit, it's never been easier to purchase furniture, mattresses and appliances for your home!


Visit any store location to complete a credit application


Our team will show you available terms and eligible lines of credit.


Finalize your credit program and select the furniture you want


We make it simple! You can make your payment each month in one of 4 ways:

Online |
In Person | At any Royal Furniture retail store
By Phone | 901-527-0523 or Toll Free 1-800-294-8450
Check by Mail | Royal Furniture
P.O. Box 3784
Memphis, TN 38103

Below is an example credit application. Completing this form will not initiate the application process. Please visit any store location to apply for financing.

This web application form is a sample of the credit application process for Royal Furniture’s Royal Advantage financing program. Royal offers credit accounts to customers making purchases at our retail locations in Alabama, Mississippi and Tennessee. A down payment may be required. If you wish to apply for financing through an alternate third party, please apply at one of our locations for assistance. To process an application, we must have your name, street address, date of birth, and other identifying information. We may ask for identifying documents from you as well. By completing the online application, you authorize Royal Furniture to verify and gather information about you, to run your credit and to investigate bank, employment, and income records. Royal Furniture may verify your credit references for purposes of considering your application for credit and, subsequently, in connection with any updates, renewals or future extensions of credit or reviewing or collecting your account. Royal Furniture may make appropriate Fair Credit Reporting Act disclosures and may also share your information with affiliated companies and credit bureaus.
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