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FINANCING

FURNITURE FINANCING OPTIONS

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!

ROYAL IN-HOUSE FINANCING

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 Mid-South 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.

THIRD PARTY FINANCING

In addition to our in-house financing, Royal Furniture partners with other reputable lenders like Synchrony and Wells Fargo. For qualified buyers, Synchrony and Wells Fargo offer interest-free financing options with no down-payment required. Visit any Royal Furniture location to apply. For accounts opened through Wells Fargo or Synchrony, please refer to your service agreement for terms & conditions and payment options.

APPLY FOR CREDIT

To apply for Royal’s In-House financing, you may begin your application online. Our team will notify you of your approval within 24 business hours and schedule an appointment for you to visit your preferred store location to pick out your new furniture!

APPLY NOW

To apply for Wells Fargo or Synchrony financing with special interest-free terms, customers may apply in-person at any of our store locations.

BILL PAY OPTIONS

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

Online
Visit payments.royalfurniture.com
See registration information below for set-up instructions.

For accounts opened through Wells Fargo or Synchrony, please refer to your service agreement for bill pay options.

ONLINE BILL PAY
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

REGISTER FOR ONLINE BILL PAY
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 billing@royalfurniture.com or contact your purchase location

POLICIES REGARDING ROYAL CREDIT ACCOUNTS

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.

Refunds
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.

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