How to Finance Your New Furniture

Free Layaway Financing

leather sofa financingFor our layaway plan, you do not have to qualify and it is 100% free. To start a layaway we require a 10% down payment and you will have up to 3 months to pay the rest of the balance. All deposits are 100% refundable. Special orders are not eligible. Your order will be shipped to you as soon as it is paid in full. Sorry, we are not able to offer a layaway option for orders with 3+ items. Exceptions apply.

To start a layaway:

  • 1) add no more than 3 items to cart
  • 2) leave a note during the checkout process simply stating "layaway"
  • 3) we will email a secure link to pay 10% deposit with the additional info

Prime Classic Design accepts all cards with 6-18+ months 0% financing

Prime Classic Design Financing

Our customers often seek offers for financing and we are happy to explain that getting a card from banks and make small payments is easy. And what do you do to get that deal and not pay for it today? A 0% intro APR card is a product that offers no interest for a set amount of time, sometimes up to 18 months. These are great cards for paying off a card balance without incurring interest charges.

Credit Card
Intro APR Period
Regular APR
Chase Freedom Unlimited®15 months16.49% - 25.24%
Blue Cash Everyday® Card from American Express15 months14.49% - 25.49%
Discover it® Cashback Match™14 months13.49% - 24.49%
Bank of America® Cash Rewards Credit Card12 billing cycles14.49% - 24.49%
Citi ThankYou® Preferred Card15 months14.99% - 24.99%
Wells Fargo Cash Wise® Visa Card12 months14.49% - 26.49%
Capital One® VentureOne® Rewards Credit Card12 months13.49% - 23.49%
Wells Fargo Platinum Visa® Card18 months16.65% - 26.49%
The Amex EveryDay® Credit Card15 months14.49% - 25.49%
Chase Freedom®15 months16.49% - 25.24%

Chase Freedom Unlimited® credit card

leather sofa financing 0% intro APR for 15 months from account opening on purchases and balance transfers.† Same page link to Pricing and Terms After that, 17.24%–25.99% variable APR.† Pricing and Terms Balance transfer fee is 3% of the amount transferred with a minimum of $5.†

Blue Cash Everyday® Card from American Express

furniture financing0% intro APR on purchases and balance transfers for 15 months, then a variable APR, 15.24% to 26.24%. Earn cash back on eligible purchases and have the flexibility to carry a balance with interest or pay in full each month.

Discover it® Cashback Match™

furniture financing0% Intro APR† for 14 months on purchases and balance transfers. Then 14.24% to 25.24% Standard Variable Purchase APR applies. 3% fee for each balance transfer. ‡Cash back rewards for compared cards: Citi Double Cash Card: 1% on purchases; 1% as you pay them.

Bank of America® Cash Rewards Credit Card

furniture financingIntroductory 0%† APR for your first 12 billing cycles for purchases, and for any balance transfers made within 60 days of opening your account. After that, a Variable APR that's currently 16.24% to 26.24% will apply. 3% fee (min $10) applies to balance transfers.

Citi ThankYou® Preferred Card

furniture financing0% introductory APR for 12 months from date of account opening; after that your standard APR for purchases will be 15.74% - 25.74% based on your creditworthiness*. One of Citi's best rewards credit cards.

Wells Fargo Cash Wise® Visa Card

furniture financing$200 cash rewards bonus when you spend $1,000 in purchases in the first 3 months. 0.00% introductory APR for 12 months. After that, your APR will be 16.24% to 28.24%, based on your creditworthiness.

Capital One® VentureOne® Rewards Credit Card

furniture financing0% intro APR for 12 months; 14.24% - 24.24% variable APR after that. Rewards don't expire for the life of the account. You’ll get automatic security alerts—via text, email or phone.

Wells Fargo Platinum Visa® Card

furniture financing0.00% introductory APR for 18 months. Great for paying for large ticket items over time, you may apply for one online.

The Amex EveryDay® Credit Card

furniture financing0% intro APR on purchases and balance transfers for 12 months, then a variable APR, 15.24% to 25.24%.¤ Annual Fee is $95. Apply today and get a decision in as little as 30 seconds.

Chase Freedom® Credit Card

furniture financing0% intro APR for 15 months from account opening on purchases and balance transfers.† You won't have to pay an annual fee. You'll earn 5% cash back each quarter on up to $1,500 in combined purchases in that quarter's bonus categories.*

The next step after you sign up for a new credit line?

After you get approved for your new credit card, the next step is to get a virtual credit card number. The process of mailing you an actual card may take 5-7 business days depending on your financial institution. So you do not have to wait for the physical card, you may generate a virtual number and start shopping with it right away. A virtual credit card is a temporary credit card number that allows you to shop online without providing vendors with your actual credit card number. The randomly generated number changes each time you use your real credit card account to make a purchase — which can also help ensure that your actual credit card info doesn’t get into the wrong hands. It is a good shopping practice overall when shopping with Prime Classic Design or any other online merchant.

Most major credit card issuers and card networks have them, including American Express, Mastercard and Visa. Discover used to have a virtual card number perk, but discontinued it in favor of $0 fraud liability and their “Freeze It” security feature.

How to get a virtual credit card

  • Log into your online credit card account and go to your account settings
  • Search for “virtual credit card” and the specific benefit for your issuer should pop up
  • Accept the 16-digit virtual credit card number that’s generated for you
  • Get the expiration date and security code generated to go with the virtual card number
  • Shop the same way you’d use your physical credit card info when making purchases online

What is the right way to use 0% interest cards?

The answer is simple: plan payoff. Figure out how many months it will take you to pay off the debt so that you get the right card with the right terms. Let's say you owe $3,000 for your new piece of furniture. With Chase Freedom, for example, you get a 15-month 0% intro APR on purchases and balance transfers, which means you pay $200 a month to pay it off before the offer ends. Contrast that with the Discover it, with an 18-month 0% offer on balance transfers, which means you only pay $166.67 a month before the offer ends.

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