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Financing





Financing your purchase at Elgin Furniture has never been easier. Whether you have a well-established credit history or are just starting to build or rebuild your credit, we’re likely to have the perfect financing option for you.
Choose one of the options below and start loving your furniture now!

1. Elgin Furniture In-Store Account:


Elgin Furniture has financing to fit any budget without the hassles of large banks and finance companies. Whether you have great credit, no credit or need to rebuild your credit, it’s never been easier to purchase furniture and mattresses for your home. You can open up an in-house account with us and we will report your timely payments to the credit bureau (Trans Union). Apply Now

2. Elgin Furniture Credit Card by Synchrony:


Elgin Furniture offers interest-free financing when you have an Elgin Furniture Credit Card approved and administered by Synchrony Bank. The terms of your interest-free period will vary from time to time, so be sure to check out our current promotions. We do offer 12 months free financing 365 days a year with NO MINIMUM PURCHASE.
See store for details. Apply Now
Click here to manage account

3. Snap Finance. No Credit Needed. 100 Days Interest-Free.


Our leasing options are perfect for those who need a little extra help with financing but don’t want to pay the high price of rent-to-own. You still get our guaranteed low prices but with specially structured lease purchase agreements through Snap Finance. A 100-day interest-free payout option is also always available.

What You Need:
Must be 18 years or older.
A checking account which has been open for at least 90 days.
In the last 30 days, a checking account that has had at least five deposits or withdrawals with no non-sufficient-fund fees.
A steady source of income for the past six months.
At least $1,000 of income per month.
Deposit the majority of your income into your checking account.
Apply Now

Payments can be made in person at any Elgin Furniture retail store.
Payments can be made over the phone with a major credit card by calling 216-441-7580 or 216-441-4500 and speaking with the Payment Center.

Payments can be made with a check and mailed to:
Elgin Furniture
26400 Lakeland Blvd
Euclid, OH 44132

Of course, we also accept all major credit cards and personal checks.