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Payment Options

Facts About Layaways

Our Layaway Program is one of the unique reasons people love to buy from Furniture For A Cause, besides our great products!

This is an Interest Free payment option that is responsible, yet gives you flexibility.

We charge a modest Layaway Transaction fee to help cover the additional paperwork, communication, storage, and handling that a Layaway transaction possesses. This fee is non-refundable and non-cancelable on every layaway.

We strive to assist our customers in successfully completing the layaway terms. However, it is the responsibility of each customer to maintain current payments on their layaways, and to communicate with FFAC of any delays in payments.

In the event, there is no communication and/or payments from the customer on layaways, FFAC will consider the layaway canceled and refund all deposits to a store credit, LESS a $50 restocking fee per item, as we have incurred storage and opportunity cost in the item(s) being placed in layaway. There are no exceptions to this policy.

 

Layaway Purchases Online
Currently, the Layaway plan is only offered in our store and not online. However, if you are interested in placing a phone order using our Layaway Plan please call 210-340-1678 and a salesperson will be glad to assist you.
 

 

Payment Plans

We offer a variety of affordable payment plans in our retail store for purchases in addition to traditional methods of payment such as cash, check, and credit cards. We understand that affordable payment plans are an important factor in many consumer purchases of furniture. We also understand that credit problems are one of the causes of homelessness. Therefore, we strive to offer plans that are sensible and responsible, yet give you the customer some payment flexibility. For this reason we do not offer some of the Lease to Own options, because in many cases the consumer ends up paying a large amount of interest if they ever want to buy the furniture outright.

We offer 2 types of Payment plans, Layaway and Interest Free Financing to our customers. However, the Financing option is only available on New Furniture and Goods. Here is a brief explanation of each of our plans.


No-Interest Financing

In the fall of 2013 we started offering No-Interest Financing plans on new furniture goods only through Wells Fargo. No Interest terms vary depending on the purchase price. Credit approval is required and applications must be made in store. Standard plans offer 12 Month Financing, however special offers may be available throughout the year. Contact us with current offers and promotions.

**Please note: The purchase will not accrue any interest IF paid off within the terms of the sale. If the purchase is NOTpaid off within the terms of the plan, interest will accrue from the beginning of the purchase.

**Plans are not billed until the merchandise is delivered and/or picked up by the customer.

 

Layaway

We also offer Layaway service on all store purchases of new goods. Layaway plans are based on your total pre-tax purchase price
(you may combine 2 or more items to reach your total). FFAC Layaway Plans are as follows:

  • $150-$199 = 15 Day Layaway Plan - 50% Down + 1 more payment in 15 days
  • $200-$399 = 30 Day Layaway Plan - 50% Down + 1 more payment in 30 days
  • $400-$899 = 60 Days - 33% Deposit + 2 more payments every 30 days

*Note: Non-Refundable Layaway Fees apply. Fees vary depending on Layaway Plan
**Note: All Layaways are non-refundable. Voided or cancelled layaways are subject to restocking fees, and returned to store credit only.
***Note: New Furniture that is placed on Layaway may not be held and/or ordered until the second to last payment is due. Therefore, merchandise may not be available at time of final layaway payment. If you plan on paying your layaway off earlier than the due date, please notify your salesperson so we may make proper ordering/holding adjustments to your layaway plan, to better ensure availability of your product upon your final payment.

 

 

   

OUR CAUSE

Furniture for a cause was founded in 2004 as an additional source of revenue for SAMMINISTRIES , a non-profit agency that serves homeless individuals and families in SOUTH texas, our store and website offers both new and gently used items for the home to the general public at reasonable prices, 100% of our net proceeds are donated back to SAMMINISTRIES

210-340-1678