Financing

It's so easy to apply for credit at Badcock. We have been offering in-house financing to our customers for years. Our system allows you to choose the location you wish to do business with. First, choose your preferred location using our convenient Store Locator. This info will be stored on your computer. (Please see our Privacy Policy). Then, return to this page and fill out our simple credit application.

The 18- or 24-month financing is an in-store application only.

Touch for more information:

In-House Badcock Revolving Account

Badcock has been granting credit to valuable customers for more than a century, so we're good at it. We make the decision right in the store, which makes it easy for you.

To make it even easier, you can apply for a regular In-House Badcock Revolving Credit Account online. Check it out, and see how easy it is to get what you want.

Interest-Free Financing

No interest if paid in full within 90 days if 90-day Special Purchase Plan); 6 months (if 6-month Special Purchase Plan); or 12 months (if 12-month Special Purchase Plan) and other conditions are met. If the balance is not paid in full by the expiration of your Special Purchase Plan, or if any of the conditions below are not met, interest will be imposed from the transaction posting date at the Annual Percentage Rate (APR)* specified below and in the Badcock Easy Purchase Plan Addendum.

*North Carolina 18%; Alabama 21%†; Georgia, Mississippi and Tennessee 21%; Florida 23.9††; Virginia 21.9; South Carolina 24%.

† to the portion of the average daily balance of the account which totals $750 or less and 18% to the portion of the average daily balance of the account which is more than $750  

†† to the portion of the average daily balance of the account which totals $5,000 or less and 18% to the portion of the average daily balance of the account which is more than $5,000

The other conditions referred to above are: (1) each minimum monthly payment must be timely made under this Special Purchase Plan, and (2) your Agreement must not be in default in any respect.

90 Days No-Interest Financing

For 90-day no-interest plans, you will pay at least a 1/4 down payment, and your remaining minimum monthly payments under this Special Purchase Plan will be 1/3 of the remaining balance.

6-Month No-Interest Financing

For 6-month no-interest plans, you will pay at least a 1/7 down payment, and your remaining minimum monthly payments under this Special Purchase Plan will be 1/6 of the remaining balance.

12-Month No-Interest Financing

For 12-month no-interest plans, you will pay at least sales tax and the delivery fee as a down payment, and your remaining minimum monthly payments under this Special Purchase Plan will be 1/12 of the remaining balance.

If you have made purchases under both this Special Purchase Plan and your regular revolving plan, you understand that you will receive separate statements and make separate payments. If, for any reason, you make a single payment, you direct that any payment received by us from you will first be applied to the minimum then due under the Special Purchase Plan. Any excess will be applied to amounts owed under the regular revolving plan.

In the event of a conflict between the terms and conditions of the Credit Agreement and the Special Purchase Plan, you agree that the terms and conditions of the Special Purchase Plan shall prevail.

No Credit Refused

Certain restrictions and exclusions apply. Applicants must meet all State and Federal identification verification requirements and State age requirements. Offer not available to applicants in default on a Badcock account or in an active bankruptcy. Offer valid through February 24, 2014 at participating stores only.

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