Rooms To Go Layaway Policy Explained

Living room set

Rooms To Go does not offer a traditional layaway program, but the furniture retailer does offer various financing and buy now, pay later options that allow you to take home your furniture right away and pay for it over time with deferred interest.

Below, we have more about Rooms To Go’s financing options in lieu of layaway, as well as similar stores that do have layaway programs.

Rooms To Go Financing Options

Rooms To Go offers a program that includes 60 months of interest-free financing for purchases of at least $600. You will need to make a down payment equal to the cost of tax and delivery, and you can make equal monthly payments for 60 months without interest.[1]

The Rooms To Go financing program may require a credit check — you can apply online.

Alternatively, if you’re shopping in-store at Rooms To Go, you can apply for a lease-purchase program through AcceptanceNOW to pay for your items. There are no credit requirements for AcceptanceNOW, and you can start with a down payment as low as $49.[2]

For online Rooms To Go purchases, you can buy your furniture now and pay later with Affirm.[2] This program allows you to pay in a few even installments with no interest or fees.[3]

You can also apply for a Rooms To Go Credit Card to finance your furniture purchases. The card offers deferred interest and an instant credit decision (after a hard credit pull).[4]

Similar Stores With Layaway

If you prefer to shop for furniture at a store that has a traditional layaway program, there are several stores that offer it, including:

  • American Freight
  • Furniture Mart
  • Kmart
  • Sears

Our article lists even more furniture stores with layaway plans. We also list the furniture stores with other types of financing plans.

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