Applying for furniture financing typically takes 5-10 minutes and can be done online or in-store. You’ll provide basic information like your name, address, income, and Social Security number, and receive an instant decision about your approval and credit limit. Most furniture retailers offer interest-free financing options ranging from 6 to 72 months, depending on your credit score and purchase amount.

Understanding your financing options and the application process helps you make informed decisions about furnishing your home without financial stress.

The best time to buy living room furniture is during January and July clearance events when stores make room for new collections, or during major holiday weekends (Presidents’ Day, Memorial Day, Labor Day, Black Friday) when retailers offer significant promotions. However, furniture promotions run year-round, meaning you can find competitive pricing any time of year if you know what to look for.

Understanding furniture buying seasons helps you maximize value without compromising on quality or selection. Let’s break down how the furniture industry works so you can shop strategically.