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MILTON, Florida 32571 Open Today: 9:00 AM - 7:00 PM
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Badcock Home Furniture &more offers affordable payment options to help transform your house into a home.

Prequalify Now to see which plan best fits your life.

Badcock Financing

You could prequalify for up to $10,0001 in Badcock financing with no impact to your credit score2. With up to 36-months3 financing and the Special No Interest4 offer when paid on time and in full within 12 months for qualifying customers, we have options to help make your house the perfect home with Badcock Financing.

Badcock No Credit Needed**

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.**



(1)Subject to credit approval. Badcock Financing is offered by W.S. Badcock LLC in the states of Alabama, Florida, Georgia, Mississippi, North Carolina, South Carolina, and Virginia; and is offered by W.S. Badcock Credit LLC in Georgia and Tennessee.


(2)Prequalifying to check your options does not impact your credit score. Once prequalified, an application is required to proceed that is subject to credit approval and will impact your credit score.


(3)Badcock Financing: See examples for your state below. Your loan terms may differ based on your final purchase, product selection, credit property insurance and applicable taxes. See contract for additional details. Example for AL: A $2,000 total purchase price would have 36 estimated monthly payments of $91.68 with an estimated APR of 36.06%. Example for FL: A $2,000 total purchase price would have 36 estimated monthly payments of $83.84 with an estimated APR of 29.03%. The APRs listed above include a credit reimbursement fee of $25.00. Example for GA: A $2,000 total purchase price would have 36 estimated monthly payments of $79.15 with an estimated APR of 24.65%. The APRs listed above include a closing fee of $50.00. Example for MS: A $2,000 total purchase price would have 36 estimated monthly payments of $76.93 with an estimated APR of 22.53%. Example for NC: A $2,000 total purchase price would have 36 estimated monthly payments of $78.52 with an estimated APR of 24.05%. Example for TN: A $2,000 total purchase price would have 36 estimated monthly payments of $89.14 with an estimated APR of 33.82%. The APRs listed above include a service charge of $100. Example for SC: A $2,000 total purchase price would have 36 estimated monthly payments of $91.60 with an estimated APR of 35.99%. Example for VA: A $2,000 total purchase price would have 36 estimated monthly payments of $91.68 with an estimated APR of 36.06%. 


4 No Interest Offer applies only to single-receipt qualifying purchases. Interest will be waived if minimum monthly installments are paid when due and the remaining balance, including the loan origination fee, if applicable, is paid in full within 12 months of purchase. If any No Interest Offer term is not met, interest will be charged from the purchase date per your contract. See examples for your state below. Your loan terms may differ based on your final purchase and product selection. See contract for additional details.

Example for AL: A $2,000 total purchase price would have 36 estimated monthly payments of $91.72 with an estimated APR of 36.10%. To meet the No Interest Offer terms, you would need to make the 11 minimum monthly payments of $91.72 when due and pay the remaining $991.08 balance within 12 months of purchase with an estimated APR of 0%. Your loan terms may differ based on your final purchase, product selection, credit property insurance and applicable taxes. See contract for additional details. Subject to credit approval. Example for FL: A $2,000 total purchase price would have 36 estimated monthly payments of $83.84 with an estimated APR of 29.03%. To meet the No Interest Offer terms, you would need to make the 11 minimum monthly payments of $83.84 when due and pay the remaining $1,102.76 balance within 12 months of purchase with an estimated APR of 1.61%. The APRs listed above include a credit reimbursement fee of $25.00. Your loan terms may differ based on your final purchase, product selection, credit property insurance and applicable taxes. See contract for additional details. Subject to credit approval. Example for GA: A $2,000 total purchase price would have 36 estimated monthly payments of $80.33 with an estimated APR of 25.76%. To meet the No Interest Offer terms, you would need to make the 11 minimum monthly payments of $80.33 when due and pay the remaining $1,196.37 balance within 12 months of purchase with an APR of 3.15%. The APRs listed above include a closing fee of $50.00. Your loan terms may differ based on your final purchase, product selection, credit property insurance and applicable taxes. See contract for additional details. Subject to credit approval.  Example for MS: $2,000 total purchase price would have 36 estimated monthly payments of $76.93 with an estimated APR of 22.53%. To meet the No Interest Offer terms, you would need to make the 11 minimum monthly payments of $76.93 when due and pay the remaining $1,153.77 balance within 12 months of purchase with an APR of 0%. Your loan terms may differ based on your final purchase, product selection, credit property insurance and applicable taxes. See contract for additional details. Subject to credit approval. Example for NC: A $2,000 total purchase price would have 36 estimated monthly payments of $74.21 with an estimated APR of 19.96%. To meet the No Interest Offer terms, you would need to make the 11 minimum monthly payments of $74.29 when due and pay the remaining $1,182.81 balance within 12 months of purchase with an APR of 0%. Your loan terms may differ based on your final purchase, product selection, credit property insurance and applicable taxes. See contract for additional details. Subject to credit approval. Example for TN: A $2,000 total purchase price would have 36 estimated monthly payments of $89.14 with an estimated APR of 33.82%. To meet the No Interest Offer terms, you would need to make the 11 minimum monthly payments of $89.14 when due and pay the remaining $1,119.46 balance within 12 months of purchase with an estimated APR of 6.41%. The APRs listed above include a service charge of $100. Your loan terms may differ based on your final purchase, product selection, credit property insurance and applicable taxes. See contract for additional details. Subject to credit approval. Example for SC: A $2,000 total purchase price would have 36 estimated monthly payments of $91.60 with an estimated APR of 35.99%. To meet the No Interest Offer terms, you would need to make the 11 minimum monthly payments of $91.60 when due and pay the remaining $992.40 balance within 12 months of purchase with an APR of 0%. Your loan terms may differ based on your final purchase, product selection, credit property insurance and applicable taxes. See contract for additional details. Subject to credit approval.  Example for VA: A $2,000 total purchase price would have 36 estimated monthly payments of $91.72 with an estimated APR of 36.10%. To meet the No Interest Offer terms, you would need to make the 11 minimum monthly payments of $91.72 when due and pay the remaining $991.08 balance within 12 months of purchase with an estimated APR of 0%. Your loan terms may differ based on your final purchase, product selection, credit property insurance and applicable taxes. See contract for additional details. Subject to credit approval.

**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 FICO® 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.