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Royal Furniture offers financing options to fit any budget. Unlike most furniture stores, we carry our own accounts and partner with third-party financing companies to bring you a variety of financing programs to meet your unique 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!


With a Royal line of credit, you can get the furniture you want and work directly with our family-owned company to make easy monthly payments! Why rent when you can own your new furniture and save money? Royal's furniture financing program is more affordable than rent-to-own programs and we document your payments with major credit bureaus to help build your good credit! 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 Furniture has been helping families purchase furniture they love since 1946. We’ve grown over the years to bring our customers convenient new 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.


In addition to our in-house financing, Royal Furniture partners with other reputable lenders to extend special financing terms for well-qualified buyers, including interest-free financing options with no down-payment required. Visit any Royal Furniture location to apply. For accounts opened through third party lenders, please refer to your service agreement for terms & conditions and payment options.


To apply for Royal’s In-House financing or third-party financing, please visit any of our store locations.


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
Toll-Free 800-294-8450

Check by Mail
Make check payable to Royal Furniture Company
P.O. Box 3784
Memphis, TN 38103

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

What you will need to sign-up:

  • Last four digits of the account holder’s Social Security Number
  • Valid Email address
  • Valid cell phone number
  • Account number
You may locate your account number on your welcome e-mail or a recent payment receipt. For assistance locating your account number please email or contact your purchase location


Delivery Appointments
Please note that purchases on a Royal Credit account may require up to 5 business days for processing before delivery can be scheduled. Appointment requests, even those notated on a purchase ticket, are not guaranteed until the credit application is fully processed. This includes contacting references and confirming proof of income. If you are unsure whether your application is processed and ready for delivery, please contact your sales associate to inquire.

Merchandise Availability
Payment due dates are not dependent on merchandise delivery or availability. All financed merchandise will be subject to the original payment timeline regardless of merchandise availability. Failure to make on-time payments will result in late fees and could negatively impact your credit score.

Individual product units are not assigned to any purchase order until the customer physically takes possession of the merchandise. Royal Furniture does not guarantee availability of purchased merchandise at the customer’s request. In certain circumstances, including but not limited to Layaway orders, Backorders or an order being placed and purchased but delivery or will-call pickup being deferred due to home renovations, relocation, etc., the inventory status of the purchased item or items is subject to change. Royal Furniture may postpone delivery or will-call availability of the item or items until they are back in stock. In the event that the purchased item has become discontinued and Royal Furniture can no longer fulfill the order, Royal Furniture will issue the customer a refund for the missing portion of his or her purchase, or authorize a reselection in the form of store credit for the equal value (purchase price plus sales tax) of the discontinued merchandise. If payments have been made toward the layaway purchase but are not yet complete, the refund or store credit amount will not exceed the amount that has been paid toward the merchandise by the customer.

When merchandise is back-ordered or delayed beyond the customer’s expectation, he or she may elect to cancel the unreceived portion of the order for a refund, or request store credit for the value of the unfilled order to reselect different merchandise. Any merchandise on the same purchase ticket that has already been received will be subject to Royal’s standard return policy. If white-glove delivery is purchased and some of the merchandise is on back-order, Royal Furniture may arrange at its discretion to make a partial delivery of the items that are immediately available. When a partial delivery is made, Royal Furniture will complete a courtesy delivery of the back-ordered items once they become available and the customer will not incur a second delivery charge. In the event that the customer receives a partial delivery but cancels the back-ordered items, the received items are subject to standard return policy and the delivery fee will be nonrefundable.
If an order is impacted by back-ordered merchandise and no part of the order is delivered or received, the customer is eligible for a full refund upon cancellation of the complete order.

In specific circumstances, the store manager at the purchase location may authorize to postpone the first payment on the account to accommodate delayed merchandise. Such arrangements must be made prior to first payment due date. Late charges will not be dissolved when such arrangements are requested after the payment due date has already been missed. It is the customer’s sole responsibility to keep track of and meet billing due dates.

For questions regarding your account please contact the collections department toll-free at 800-294-8450.

Late Charges
Royal Furniture Accounts are granted a 15-day grace period of their payment due date. Payments posted after 3PM on the fifteenth day will incur a late charge.

For authorized returns meeting the requirements of Royal Furniture’s Return Policy, refund method will be determined at Royal Furniture’s discretion. Most often refunds will be issued to the original form of payment. Purchases made on Royal Furniture in-house credit account which are authorized for return will be eligible to receive refund of the down payment back to the credit or debit card used. For down payments made by cash or check, Royal Furniture may require seven business days for processing. Refund checks may be made available to the customer either in-store or by mail to the customer’s home address at Royal Furniture’s discretion. For financed purchases with no down payment, the financing contract will simply be cancelled. Refunds will only be issued once all associated merchandise is returned in original condition to Royal Furniture’s possession.

Royal Furniture offers are not valid on prior purchases, clearance, special order or backordered items. Offers may not be combined, substituted, nor exchanged for cash value. Additional exclusions and restrictions may apply. See store for details and availability. Items identified as Leather may include Leather-Match construction which features genuine leather in seating area and arms with skillfully matched vinyl everywhere else. Royal Furniture reserves the right to correct errors made in print regarding price, features, and offer terms.

*Zero-interest financing with approved credit. Equal monthly payments required. See store for financing options, terms and conditions.

Free 55-Inch Ultra HD Smart TV with purchase of any in-stock Reclining Sectional. Cannot be combined with other discounts or offers. Limited quantities available, while supplies last. Cannot be applied to prior purchases nor redeemed for cash value. Eligible customers will receive an LG 55-Inch 4K Ultra HD Smart TV with proof of completed delivery or will-call pick-up of reclining sectional. All purchase requirements including those applicable to financing transactions must be complete prior to receipt of TV. This includes, but is not limited to, required down-payment, credit reference checks, and validation of income. Merchandise returns are subject to 20% restocking fee and will only be accepted upon successful return of merchandise in like-new condition, with LG 55-Inch 4K Ultra HD Smart TV in original, unopened packaging. Failure to return TV or any promotional items included with purchase may result in refusal of the merchandise return or charges applied for missing items. Valid for a limited time. Offer subject to changes and may be withdrawn at any time. Limit one per customer.

Free Nightstand or mattress set with qualifying bedrooms $999 or more including complete queen bed, dresser and mirror. Participating set is Beautyrest® Daydream Medium queen mattress and eligible foundation. Participating bedroom groups featuring storage footboard are eligible for mattress only, foundation is not necessary and will be excluded from this promotion. King-size upgrade is available with $300 upcharge. Promotional mattress can be exchanged for $399 credit toward an upgraded mattress. Not redeemable for cash value.

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