Financing & Offers

City Furniture has finance and payment options to meet your needs – get pre-approved online and save time. Or, call 800.589.9960 to apply by phone and to learn more about the finance options that are best for you.

  • Current Offer Details

    Free shipping available on orders over $495. Does not include clearance merchandise or shipping outside of our local trading area, and is not valid on previous purchases.

    On purchases of $995 or more with your Synchrony Financial City Furniture credit card made between July 5—July 29, 2016. Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full by January, 2018. Minimum monthly payments required. 10% down required by City Furniture.

    • Special Financing

      Special Financing Available from Synchrony Financial

      This is a revolving credit line that can be used for any purchase up to the maximum of amount of credit approved. Credit promotions are always available with this program.

      On any purchase, minimum monthly payments are required. Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full by the due date or if you make a late payment.*

      Purchase APR is 29.99%; minimum interest charge is $2. Subject to credit approval. Offer valid for consumer accounts in good standing; subject to change without notice. See finance agreement for details. Many not be combined with any other credit promotion offers. Call or visit a furniture store location for complete details.

    • No Credit Needed

      If you're one of the many people who prefer not to carry credit cards or prefer not needing credit to qualify, the City Furniture no credit needed payment plan may be right for you.

      Apply online now – If youĂ­re approved, simply bring in your application's approval number, your photo ID and the required items listed in the FAQ section to any City Furniture store. Call or visit a City Furniture location for complete details.

      Application Requirements

      Social security number or ITIN
      Checking account
      18 years or older

    • Layaway

      City Furniture offers a flexible in-store layaway payment plan. Simply pay 10% of the total purchase as a deposit. Then make minimum payments of 10% of your remaining balance each month for 10 months.

      Pricing is guaranteed under this plan for 10 months and you can arrange for pick-up or delivery of your purchase once the balance is paid in full. Product availability cannot be guaranteed, but all deposits and payments are transferable to any other products you select.

    • Credit Cards and Gift Cards

      We also accept cash, check, or these credit cards:

      City Furniture Credit Cards

      Gift cards are available for purchase in any denomination.

    • Current Account Holder Resources

      Synchrony Financial City Furniture Credit Card
      To log in to your account, click here.

      TD Bank
      1.800.252.2551 or

      Tidewater Finance
      1.888.413.1083 or


    **Offer applies only to single-receipt qualifying purchases. No interest will be charged on promo purchase and equal monthly payments are required equal to initial promo purchase amount divided equally by the number of months in promo period until promo is paid in full. The equal monthly payment will be rounded to the next highest whole dollar and may be higher than the minimum payment that would be required if the purchase was a non-promotional purchase. Regular account terms apply to non-promotional purchases. For new accounts: Purchase APR is 29.99%; Minimum interest charge is $2. Existing cardholders should see their credit card agreement for their applicable terms. Subject to credit approval.