Payment Options & Financing

City Furniture Credit Card

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.

  • 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 Check - No Interest for 90 Days

    If you’re one of the many people who prefer not to carry credit cards or prefer not to have your credit checked, the City Furniture no credit check payment plan may be right for you. Plus, this program has a special provision that enables you to avoid paying any interest if the purchase is paid off in 90 Days.

    Apply online now – If you’re 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.

    Frequently Asked Questions

    What are the requirements needed for the No Credit Check payment plan?
    Income requirements
    *Must be employed for 6 months at the same employer
    *Must earn minimum income of $1000 per month (gross)

    Checking Account Requirements

    *Open and active for 3 months
    *No overdrafts for the last 30 days
    *$500 per month of deposits and regular activity
    *Does not end with a negative balance

    You MUST come to the store prepared with proof of identification.

  • 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

    City Furniture Gift 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 the promo purchase if you pay the promo purchase amount in full by January 2017. If you do not, interest will be charged on the promo purchase from the purchase date. Depending on purchase amount, promotion length and payment allocation, the required minimum monthly payments may or may not pay off purchase by end of promotional period. Regular account terms apply to non-promotional purchases and, after promotion ends, to promotional balance. 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.