Bailey's Furniture Financing & Payment Options

Pre-Qualification is a fast and easy way to see if you qualify for one of Bailey's Furniture's finance options. By submitting just a few pieces of information, you will receive a decision instantly without impacting your credit score.

No. Checking to see if you are pre-qualified is considered a "soft pull" and does not impact your credit score. However, if you are pre-qualified for an account and you decide to move forward with the full credit application, a hard credit inquiry will be performed, which can impact your credit score.

Sometimes this happens, and a little more information could make a difference. Pre-qualification uses limited information to pre-qualify you for credit and lets you know roughly how much you might be able to borrow, using basic credit information. Our lenders will use additional financial information provided in your application and pull your credit report to make a credit decision.

All of your customer information is sent directly to our financial lenders where it is used and protected according to federal privacy laws. To view our full privacy policy, click here.

Special financing gives you the ability to buy now (today) and pay later over time (or make convenient monthly payments). We have special financing with our finance partners.

With Synchrony's Home Credit Card issued by Synchrony Bank is a revolving credit account that can be used for purchases as long as the account remains open and there is sufficient amount of available credit to cover your purchase. After a purchase is charged to the account your available credit line decreases by the charged amount. As you pay down the balance, your available credit line increases, up to your approved credit limit.

No. There is no down payment required to qualify for special financing.

As with everything else. Things take a little longer to get things from the lower 48. You can expect to receive your card in the mail 30 days after the application is approved. You can use your account immediately either online or in-store, by saving the account number that is provided to you upon application approval and using it during checkout.

An account with a $0 balance will remain open for 36 months. After approximately 36 months of inactivity, our lenders may close the account. You may reapply for a new account if your account is closed.

Unfortunately, the program does not allow us to accept or process your payment. However, you have a few options for submitting payments which are listed on your monthly bill.

Yes, you may pay your outstanding balance in full at any time.

No worries! We have a No Credit Needed Payment Option, which includes lease-to-own options through Zo Financial.