Explore NFM's financing options
Looking to finance your next big purchase? Choose the right fit for you with a variety of promotional financing options available every day on furniture, flooring, appliances, electronics, and mattresses.
Compare financing options by product type
Find the financing option that suits your purchase
Mattress financing
Everyday mattress financing options
Filter by availability
| Financing Options | Financing Options | Minimum Purchase | Deposit | In-Store / Phone Sales | Online | ||
|---|---|---|---|---|---|---|---|
| Promotional Period | Terms | Pickup | Delivery or Install | ||||
|
6 months
No interest if paid in full⭑⭑
|
Interest accrues at 18% APR from date of delivery and will be charged to your account if not paid in full at the end of promotional period. |
$199 | None | None |  |
|
|
|
12 months
No interest if paid in full⭑⭑
|
$399 | None | None | |
|
||
|
24 months
No interest if paid in full with equal
payments
⭑⭑⭑
|
Interest accrues at 18% APR from date of delivery and will be charged to your account if not paid in full at the end of promotional period. |
$999 | None | 10%† | |
N/A | |
|
50 months
No interest if paid in full with equal
payments
⭑⭑⭑
|
$2299 | None | 10%† | |
N/A | ||
|
72 months
No interest if paid in full with equal
payments
⭑⭑⭑
|
$3199 | None | 10%† | |
N/A | ||
| Financing Options | Financing Options | Minimum Purchase | Deposit | In-Store / Phone Sales | Online | ||
|---|---|---|---|---|---|---|---|
| Promotional Period | Terms | Pickup | Delivery or Install | ||||
|
6 months
No interest if paid in full⭑⭑
|
Interest accrues at 18% APR from date of delivery and will be charged to your account if not paid in full at the end of promotional period. |
$199 | None | None | |
|
|
|
12 months
No interest if paid in full⭑⭑
|
$399 | None | None | |
|
||
|
24 months
No interest if paid in full with equal
payments
⭑⭑⭑
|
Interest accrues at 18% APR from date of delivery and will be charged to your account if not paid in full at the end of promotional period. |
$999 | None | 10%† | |
N/A | |
|
50 months
No interest if paid in full with equal
payments
⭑⭑⭑
|
$2299 | None | 10%† | |
N/A | ||
|
72 months
No interest if paid in full with equal
payments
⭑⭑⭑
|
$3199 | None | 10%† | |
N/A | ||
| Financing Options | Financing Options | Minimum Purchase | Deposit | In-Store / Phone Sales | Online | ||
|---|---|---|---|---|---|---|---|
| Promotional Period | Terms | Pickup | Delivery or Install | ||||
|
6 months
No interest if paid in full⭑⭑
|
Interest accrues at 18% APR from date of delivery and will be charged to your account if not paid in full at the end of promotional period. |
$199 | None | None | |
|
|
|
12 months
No interest if paid in full⭑⭑
|
$399 | None | None | |
|
||
Furniture financing
Everyday furniture financing options
Filter by availability
| Financing Options | Financing Options | Minimum Purchase | Deposit | In-Store / Phone Sales | Online | ||
|---|---|---|---|---|---|---|---|
| Promotional Period | Terms | Pickup | Delivery or Install | ||||
|
6 months
No interest if paid in full⭑⭑
|
Interest accrues at 18% APR from date of delivery and will be charged to your account if not paid in full at the end of promotional period. |
$199 | None | None | |
|
|
|
12 months
No interest if paid in full⭑⭑
|
$399 | None | None | |
|
||
|
18 months
No interest if paid in full⭑⭑
|
$599 | None | 20%† | |
N/A | ||
|
24 months
9.00% APR financing⭑⭑
|
Interest rate will revert to 18% APR for any remaining balance at the end of promotional period. |
$499 | None | None | |
N/A | |
| Financing Options | Financing Options | Minimum Purchase | Deposit | In-Store / Phone Sales | Online | ||
|---|---|---|---|---|---|---|---|
| Promotional Period | Terms | Pickup | Delivery or Install | ||||
|
6 months
No interest if paid in full⭑⭑
|
Interest accrues at 18% APR from date of delivery and will be charged to your account if not paid in full at the end of promotional period. |
$199 | None | None | |
|
|
|
12 months
No interest if paid in full⭑⭑
|
$399 | None | None | |
|
||
|
18 months
No interest if paid in full⭑⭑
|
$599 | None | 20%† | |
N/A | ||
|
24 months
9.00% APR financing⭑⭑
|
Interest rate will revert to 18% APR for any remaining balance at the end of promotional period. |
$499 | None | None | |
N/A | |
| Financing Options | Financing Options | Minimum Purchase | Deposit | In-Store / Phone Sales | Online | ||
|---|---|---|---|---|---|---|---|
| Promotional Period | Terms | Pickup | Delivery or Install | ||||
|
6 months
No interest if paid in full⭑⭑
|
Interest accrues at 18% APR from date of delivery and will be charged to your account if not paid in full at the end of promotional period. |
$199 | None | None | |
|
|
|
12 months
No interest if paid in full⭑⭑
|
$399 | None | None | |
|
||
Flooring financing
Everyday flooring financing options
Filter by availability
| Financing Options | Financing Options | Minimum Purchase | Deposit | In-Store / Phone Sales | Online | ||
|---|---|---|---|---|---|---|---|
| Promotional Period | Terms | Pickup | Delivery or Install | ||||
|
6 months
No interest if paid in full⭑⭑
|
Interest accrues at 18% APR from date of delivery and will be charged to your account if not paid in full at the end of promotional period. |
$199 | None | None | |
|
|
|
12 months
No interest if paid in full⭑⭑
|
$399 | None | None | |
|
||
|
18 months
No interest if paid in full⭑⭑
|
$1499 | None | 20%† | |
N/A | ||
|
24 months
6.96% APR financing⭑⭑
|
Interest rate will revert to 18% APR for any remaining balance at the end of promotional period. |
$999 | None | None | |
N/A | |
|
36 months
6.96% APR financing⭑⭑
|
$1999 | None | 10%† | |
N/A | ||
| Financing Options | Financing Options | Minimum Purchase | Deposit | In-Store / Phone Sales | Online | ||
|---|---|---|---|---|---|---|---|
| Promotional Period | Terms | Pickup | Delivery or Install | ||||
|
6 months
No interest if paid in full⭑⭑
|
Interest accrues at 18% APR from date of delivery and will be charged to your account if not paid in full at the end of promotional period. |
$199 | None | None | |
|
|
|
12 months
No interest if paid in full⭑⭑
|
$399 | None | None | |
|
||
|
18 months
No interest if paid in full⭑⭑
|
$1499 | None | 20%† | |
N/A | ||
|
24 months
6.96% APR financing⭑⭑
|
Interest rate will revert to 18% APR for any remaining balance at the end of promotional period. |
$999 | None | None | |
N/A | |
|
36 months
6.96% APR financing⭑⭑
|
$1999 | None | 10%† | |
N/A | ||
| Financing Options | Financing Options | Minimum Purchase | Deposit | In-Store / Phone Sales | Online | ||
|---|---|---|---|---|---|---|---|
| Promotional Period | Terms | Pickup | Delivery or Install | ||||
|
6 months
No interest if paid in full⭑⭑
|
Interest accrues at 18% APR from date of delivery and will be charged to your account if not paid in full at the end of promotional period. |
$199 | None | None | |
|
|
|
12 months
No interest if paid in full⭑⭑
|
$399 | None | None | |
|
||
Appliances financing
Everyday appliance financing options
Filter by availability
| Financing Options | Financing Options | Minimum Purchase | Deposit | In-Store / Phone Sales | Online | ||
|---|---|---|---|---|---|---|---|
| Promotional Period | Terms | Pickup | Delivery or Install | ||||
|
6 months
No interest if paid in full⭑⭑
|
Interest accrues at 18% APR from date of delivery and will be charged to your account if not paid in full at the end of promotional period. |
$199 | None | None | |
|
|
|
12 months
No interest if paid in full⭑⭑
|
$399 | None | None | |
|
||
|
18 months
No interest if paid in full⭑⭑
|
$599 | None | 20%† | |
N/A | ||
|
24 months
9.00% APR financing⭑⭑
|
Interest rate will revert to 18% APR for any remaining balance at the end of promotional period. |
$399 | None | None | |
N/A | |
| Financing Options | Financing Options | Minimum Purchase | Deposit | In-Store / Phone Sales | Online | ||
|---|---|---|---|---|---|---|---|
| Promotional Period | Terms | Pickup | Delivery or Install | ||||
|
6 months
No interest if paid in full⭑⭑
|
Interest accrues at 18% APR from date of delivery and will be charged to your account if not paid in full at the end of promotional period. |
$199 | None | None | |
|
|
|
12 months
No interest if paid in full⭑⭑
|
$399 | None | None | |
|
||
|
18 months
No interest if paid in full⭑⭑
|
$599 | None | 20%† | |
N/A | ||
|
24 months
9.00% APR financing⭑⭑
|
Interest rate will revert to 18% APR for any remaining balance at the end of promotional period. |
$399 | None | None | |
N/A | |
| Financing Options | Financing Options | Minimum Purchase | Deposit | In-Store / Phone Sales | Online | ||
|---|---|---|---|---|---|---|---|
| Promotional Period | Terms | Pickup | Delivery or Install | ||||
|
6 months
No interest if paid in full⭑⭑
|
Interest accrues at 18% APR from date of delivery and will be charged to your account if not paid in full at the end of promotional period. |
$199 | None | None | |
|
|
|
12 months
No interest if paid in full⭑⭑
|
$399 | None | None | |
|
||
Electronics financing
Everyday electronics financing options
Filter by availability
| Financing Options | Financing Options | Minimum Purchase | Deposit | In-Store / Phone Sales | Online | ||
|---|---|---|---|---|---|---|---|
| Promotional Period | Terms | Pickup | Delivery or Install | ||||
|
6 months
No interest if paid in full⭑⭑
|
Interest accrues at 18% APR from date of delivery and will be charged to your account if not paid in full at the end of promotional period. |
$199 | None | None | |
|
|
|
12 months
No interest if paid in full⭑⭑
|
$399 | None | None | |
|
||
|
18 months
No interest if paid in full⭑⭑
|
$599 | None | None | |
N/A | ||
| Financing Options | Financing Options | Minimum Purchase | Deposit | In-Store / Phone Sales | Online | ||
|---|---|---|---|---|---|---|---|
| Promotional Period | Terms | Pickup | Delivery or Install | ||||
|
6 months
No interest if paid in full⭑⭑
|
Interest accrues at 18% APR from date of delivery and will be charged to your account if not paid in full at the end of promotional period. |
$199 | None | None | |
|
|
|
12 months
No interest if paid in full⭑⭑
|
$399 | None | None | |
|
||
|
18 months
No interest if paid in full⭑⭑
|
$599 | None | None | |
N/A | ||
| Financing Options | Financing Options | Minimum Purchase | Deposit | In-Store / Phone Sales | Online | ||
|---|---|---|---|---|---|---|---|
| Promotional Period | Terms | Pickup | Delivery or Install | ||||
|
6 months
No interest if paid in full⭑⭑
|
Interest accrues at 18% APR from date of delivery and will be charged to your account if not paid in full at the end of promotional period. |
$199 | None | None | |
|
|
|
12 months
No interest if paid in full⭑⭑
|
$399 | None | None | |
|
||
How to add financing to your order online:
Step 1
Add item(s) to cart & proceed to checkout.
Step 2
Select your NFM card as your preferred method of payment.
Step 3
From the financing options presented, select the option you would like to apply to your purchase.
Step 4
Complete the checkout process.
Financing option FAQs
What promotional financing options does NFM offer?
Promotional Deferred Interest Plans (No interest if paid in full in XX months)
These everyday financing plans specifically described in a separate offer allow the option of paying no interest on your purchase if paid off in full by the end of the promotional period. Interest accrues at 18% APR from date of delivery but will be deferred and not charged to your account until the end of the promotional period unless you fail to make an on-time payment. Accrued interest will be waived if you timely make all necessary minimum monthly payments and the full purchase price is paid in full by the end of the promotional period. Accrued interest will be charged to your account as a lump sum at the end of the promotional period if the purchase price is not paid in full or at the due date of any payment during the promotional period you fail to make on-time, and the account balance will continue to accrue interest after such due date at 18% APR until paid in full.
Promotional Interest Plans (Enjoy a promotional interest rate of X.XX% for XX months)
These everyday financing plans specifically described in a separate offer allow you to enjoy a promotional interest rate of X.XX% for XX months on your purchase for the promotional period. Interest will be charged to your account at the promotional rate from the date of delivery and will be included in your payment each month. The interest rate will revert to NFM's already low 18% APR for any balance remaining after the payment due date at the end of the promotional period or for any balance remaining after the payment due date of any payment you fail to make on-time during the promotional period.
Promotional Deferred Interest Plans (No interest if paid in full in XX months)
These everyday financing plans specifically described in a separate offer allow the option of paying no interest on your purchase if paid off in full by the end of the promotional period with equal payments, which are calculated by dividing the balance owed by the number of remaining months in the promotional term, rounded to the next higher dollar amount (adjustments and rounding may cause some variance in the minimum payments). Interest accrues at 18% APR from date of delivery but will be deferred and not charged to your account until the end of the promotional period unless you fail to make an on-time payment. Accrued interest will be waived if you timely make all necessary minimum monthly payments and the full purchase price is paid in full by the end of the promotional period. Accrued interest will be charged to your account as a lump sum at the end of the promotional period if the purchase price is not paid in full or at the due date of any payment during the promotional period you fail to make on-time, and the account balance will continue to accrue interest after such due date at 18% APR until paid in full. An equal payment plan may be identified as “Level Payment”, “Equal Payment”, “Fixed Payment”, or similar terms.
When is a deposit required for my purchase?
If you take advantage of our delivery, installation, or shipping services, a 20% deposit will only be required on purchases using the promotional financing options identified above. Orders including non-stock luxury appliances and special orders require a 25% deposit. A deposit will not be required if you pick up your merchandise from our store or warehouse (excluding non-stock luxury appliances and special orders).
How is a deposit calculated when one is required for my purchase?
When a deposit is required, as identified above, deposits will be calculated using the order total, which includes the product cost and any applicable delivery/installation fees, warranty coverage, and sales tax.
How do I find additional information about Personal NFM Card Financing?
Please check our Credit Services page or call toll free at 1‑800‑359‑1200 Ext. 23223 for additional information.
Already have an NFM Card?
Manage your account or link your card today.
Interested in signing up?
Visit NFM's Credit Services page to learn more about personal financing with our NFM card.
Looking to pay a bill?
Easily view your bill and make payments from your online account.
⭑Offer available to qualified applicants for qualifying purchases made in the relevant product category (furniture, flooring, appliances, electronics, or mattresses) as set forth in the product category financing charts above. Minimum purchase required as set forth in the relevant category financing chart above. Not valid on previous purchases. Subject to credit approval by NFM on the NFM Card. Minimum monthly payments are required. Deferred interest financing starts at the date of delivery. Interest accrues at 18% APR from date of delivery and will be charged to your account if you fail to make an on-time monthly payment or the qualified purchase balance is not paid in full within the applicable Promotional Period set forth in the relevant product category financing chart above. A deposit is required as set forth in the relevant product category financing chart above. Excludes closeout items, floor samples, and clearance items and cannot be used for Gift Card purchases. Can only be combined with other offers in the ad.
⭑⭑Offer available to qualified applicants for qualifying purchases made in the relevant product category (furniture, flooring, appliances, electronics, or mattresses) as set forth in the product category financing charts above. Minimum purchase required as set forth in the relevant category financing chart above. Not valid on previous purchases. Subject to credit approval by NFM on the NFM Card. Minimum monthly payments are required. The promotional interest rate for qualified purchases set forth in the relevant product category financing charts above starts at the date of delivery. The interest rate will revert to 18% APR if you fail to make an on-time monthly payment or for any balance remaining after the applicable Promotional Period ends. A deposit is required as set forth in the relevant product category financing chart above. Excludes closeout items, floor samples, and clearance items, and cannot be used for Gift Card purchases. Can only be combined with other offers in the ad.
⭑⭑⭑ Offer available to qualified applicants for qualifying purchases made in the relevant product category (furniture, flooring, appliances, electronics, or mattresses) as set forth in the product category financing charts above. Minimum purchase required as set forth in the relevant category financing chart above. Not valid on previous purchases. Subject to credit approval by NFM on the NFM Card. Promotional financing starts at the date of delivery. Interest accrues at 18% APR from date of delivery and will be charged to your account if you fail to make an on-time monthly payment or the qualified purchase balance is not paid in full within the applicable Promotional Period set forth in the relevant product category financing chart above. Equal minimum payments for your purchase will be required and will be set such that the qualified purchase balance will be paid in full during the promotional period. Adjustments and rounding may cause some variance in the requested payments. A deposit is required as set forth in the relevant product category financing chart above. Excludes floor samples, clearance items, and cannot be used for Gift Card purchases. Can only be combined with other offers in the ad.
†Non-stocked luxury appliances and special orders require a 25% deposit on order total. All other purchases that include delivery and installations require a deposit on order total as set forth in the relevant product category financing charts above.