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.
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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 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.
6-Month No-Interest Financing
For 6-month no-interest plans, you will pay at least 10% of the financed amount, 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 10% of the financed amount, 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, in an active bankruptcy or have a discharged bankruptcy within the past two years. Offer valid through August 29th, 2016 at participating stores only.