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MILTON, Florida 32571 Open Today: 9:00 AM - 7:00 PM
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Just Right Payment Plans

Badcock Home Furniture &more offers affordable payment plans to help transform your house into a home.

Apply now to see which plan best fits your life.

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Badcock Card by Fortiva Logo

The Badcock Card by Fortiva Retail Credit® provides a revolving line of credit that you can use immediately – in-store or online. With credit lines up to $15,000, and promotional terms ranging from 6 to 24 months, the Badcock Card gives you the credit you need to help finance your Badcock purchases*.

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Badcock No Credit Needed** AFF Logo

Less-than-perfect credit score? With the Badcock No Credit Needed** plan, you can lease-to-own quality furniture – in-store or online. Lease amounts from $300 up to $7,500 are available from American First Finance.**

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Badcock Easy Purchase Financing (Select locations only) Badcock Logo

For participating locations, customers can apply for and utilize their line of credit with Badcock Financing. Credit is subject to approval and can be used at participating stores only.

Frequently Asked Questions

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What if I have an existing line of credit with Badcock?

Great news! You can still use your existing line of credit that you have with Badcock both online and at participating stores. Continue to make your account payments in-store, by phone, or online as you always have. For instructions on how to use your Badcock Account online, click here.***

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What happens after I get approved?

Congratulations! You can now use your approval online or at your local Badcock Home Furniture &more store. To use online, simply add items to your cart and begin the checkout process. When you reach the Payment and Billing section, select your credit provider and complete your order.

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Want to learn more?

Visit our Frequently Asked Questions page for additional information.

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I need further assistance.

Please contact the corresponding financial institution.
Fortiva Retail Credit Support Phone at 1-855-399-9166 or American First Finance at 855-721-1188.

*Fortiva Retail Credit: Subject to credit approval. No interest if paid in full within the promotional period. Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within the promotional period of 6, 12 or 24 months. Promotional offers are determined based upon your creditworthiness. Minimum Monthly Payments are required. Required monthly payments may or may not pay off your purchase before the end of the promotional period. To avoid paying the Deferred Interest Charges, you must pay the promotional purchase in full within the promotional period. At participating stores only.

**Leases: Lease amounts up to $7,500 are available from American First Finance. Subject to approval and standard underwriting criteria. Approval is possible without a Credit Score, but we may check credit. The transaction advertised is a consumer rental-purchase, lease, lease-to-own, or rent-to-own agreement. For example, instead of paying interest, you will pay rental fees on top of the retail price. The lessee will not own the property until the total amount necessary to acquire ownership is paid either by payment of the total of payments over the full term of the agreement or by prepayment as provided for by law. Other fees may apply, such as delivery fees and optional Liability Damage Waiver fees. Terms and conditions subject to change at any time. Retail Installment Contracts: The transaction described is a retail installment sale agreement and is subject to approval and verification. Terms and conditions subject to change at any time without prior disclosure or notice. At participating stores only.

***Badcock Easy Purchase Plan: 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. Financing can be used in-store or online at participating stores only.