FINANCING OPTIONS

At The Bedroom Store we work with several partners to provide our local St. Louis area in-store customers with the best financing options available. Our primary credit partners are Synchrony Finance, Wells Fargo and Acima Leasing.

Interest Free* Promotional Financing

For your convenience, we offer attractive 12, 18 or 24 month interest free* promotional financing to qualified customers. 

No Interest if Paid in Full Within 12 Months (Minimum Order Total of $500)

*On Purchases of $500 or more. Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within 12 Months. Minimum monthly payments required.

No Interest if Paid in Full Within 18 Months (Minimum Order Total of $2000)

*On Purchases of $2000 or more. Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within 18 Months. Minimum monthly payments required.

No Interest if Paid in Full Within 24 Months (Minimum Order Total of $3000)

*On Purchases of $3000 or more. Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within 24 Months. Minimum monthly payments required.

*Offer applies to single-receipt qualifying purchases. No interest will be charged on the promo purchase if you pay the promo purchase amount in full within the 12, 18 or 24 month period. 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. We reserve the right to discontinue or alter the terms of this offer any time. Financing not available for on-line purchases.

Additional financing options and promotions may be available. Please contact an in-store associate at your nearest Bedroom Store location to find out more about financing options available to you.

LAYAWAY

The Bedroom Store offers an in-store layaway service which allows our customers to reserve merchandise with a required minimum 10% deposit down. Merchandise put on layaway is kept in the customer's local Bedroom Store warehouse until the balance is paid off in full. A payment plan of every two weeks is suggested, but can be paid sooner; all layaways must be paid in full to the store within 90 days, or the merchandise will be placed back on the sales floor. There are no credit checks, service fees or interest charges applied to creating or canceling a layaway. If you need to cancel a layaway purchase, your deposit will be refunded. Layaway is not available with online orders. 

ACIMA LEASE TO OWN

For our in-store customers with less than perfect credit we also offer Acima Lease to Own option for purchases totaling $300 - $4000. Acima does a soft credit check, which doesn't impact your credit score, with approval based mainly on your income and checking account history instead of credit history, so borrowers with bad or no credit may be approved.

To qualify, you’ll need monthly income of at least $1,000 over the past three months, deposited into a checking account. You’ll also need a government-issued photo ID and Social Security number or Taxpayer Identification Number. Tailored payment plans available and an easy application process, Acima Credit provides an affordable solution for your larger purchases.

For more information and complete terms of any of our financing options or to apply for credit please visit any one of the 5 local Bedroom Store locations.

Only available for in-store purchases.