Financing and Leasing Options

Looking for financing or leasing options? We've got you covered.

El Dorado Furniture BLUCard®

Finance at your own pace with the El Dorado Furniture BLUCard® credit card, and enjoy these exclusive perks!

No interest if paid in full within 12, 18, 24, 36 or 48 months

on purchases of $500 for 12 months, $1000 for 18 months, $2000 for 24 months, $3000 for 36 months and $4000 for 48 months made with your El Dorado Furniture BLUCard® Credit Card at El Dorado Furniture. Interest will be charged to your Accountfrom the purchase date if the promotional plan balance is not paid in full within the promotional period. 10% down payment is required in-store. Down payment cannot be placed on the El Dorado Furniture BLUCard®.The 24, 36 and 48-month plans are valid through September 5th, 2022 for all categories and through September 13th for mattress purchases.*
  • Flexible monthly payments
  • Early access to our Sales Events**
  • Special offers just for cardholders**
  • Immediate access to shop in-store or online
  • No annual fee~
Benefits are only valid for El Dorado Furniture BLUCard® cardholders.

Available online or in-store.
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**Account must not be in default. Must have valid email address and U.S. mailing address.
~For new accounts, as of 8/2022 Purchase APR of 29.99%. Minimum Interest Charge is $2 per Credit Plan.

*Deferred interest, Payment Required plan: Interest will be charged to your Account from the purchase date if the promotional plan balance is not paid in full within the promotional period. Minimum payments are required for each Credit Plan.Minimum payments are NOT guaranteed to pay the promotional plan balance within the promotional period. You may have to pay more than the minimum payment to avoid accrued interest charges.Valid for single transaction only. If the single transaction has multiple shipments, each shipment may result in a separate Credit Plan, subject to a separate minimum purchase requirement and minimum interest charge. As of 8/2022, terms for new Accounts: Purchase APR of 29.99%. Minimum interest charge is $2 per Credit Plan in any billing period in which interest is due. Existing Cardholders: see your credit card agreement for Account terms.
Credit card offers are subject to credit approval.
El Dorado Furniture BLUCard® Credit Card Accounts are issued by Comenity Capital Bank.

Bread Pay™

We provide easy and affordable financing through our partner, Bread Financial™, so you can pay for your purchase over time.

Pay Over Time

Choose from 6, 12, 24 or 36-month financing at competitive interest rates.
Payment plans range from 0% to 29.99% APR‡
Available online only.
No Prepayment Penalties
Pay for your purchase in monthly installments and prepay at any time without penalty.
Easy Application
Get a decision in seconds with no obligation to buy. Your data is safe and encrypted. Plus, checking your rate won't affect your credit score.
Affordable Monthly Plans
Buy now and pay for your purchase over time at competitive interest rates.
Check your rate in seconds without leaving our site.
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‡Rates and terms only for loans opened on 7/1/22 to 07/18/2022. Subject to approval of credit application. Rates range from 0% to 29.99% APR, resulting in, for example, 36 monthly payments of $32.26 at 9.99% APR, per $1,000 borrowed. APRs will vary depending on credit qualifications, loan amount, and term. Bread Pay™ plans are loans made by Comenity Capital Bank, a Bread Financial™ company.

Great American Finance

El Dorado Furniture is proud to offer secondary financing solutions to support your needs.

Design your dream home now and pay later with a financing option that fits your budget.

  • Receive a revolving line of credit with approvals of up to $7500
  • Get up to 18 months with deferred interest plans††
    10% down payment is required in-store. Down payment cannot be placed on your Great American Finance account.
  • Enjoy finance rewards! Credit line increases after five on-time payments†††
Subject to credit approval. Applications submitted to Great American Finance may be originated by one of several lenders, including: Great American Finance, a licensed lender in certain states or one of our lending partners. All loans originated by our lending partners will be serviced by Great American Finance.

††Deferred interest period extends for up to 18 months. Finance charges will be waived if you pay the entire purchase amount during the promotional period under deferred interest programs. You will need to pay more than the minimum amount due to pay off the balance during the promotional period. Interest will be charged from the date the consumer becomes obligated for the transaction amount subject to the deferred interest offer if the transaction balance is not fully paid within the deferred interest period.

†††Credit line increase occurs for eligible borrowers after the first 5 consecutive on-time payments of at least the minimum payment amount as reflected on your current account statement.

Progressive Leasing

Progressive Leasing provides lease-to-own options that help you get the pieces you want.

No credit needed±
All credit is welcome.

  • Instant decision
  • Early purchase options~
  • Flexible leasing options
  • $49 initial payment»
  • In-store purchases only
±No Credit Needed:Progressive Leasing obtains information from credit bureaus. Not all applicants are approved.
~Standard agreement offers 12 months to ownership. Early purchase options cost more than the retailer's cash price (except 3-month option in CA). To purchase early, call 877-898-1970.

»The initial payment (plus tax) is charged at lease signing. Remaining lease payments determined upon item selection.

The advertised service is lease-to-own or a rental- or lease-purchase agreement provided by Prog Leasing, LLC or its affiliates. Acquiring ownership by leasing costs more than the retailer's cash price. Leasing available on select items at participating locations only. Not available in MN, NJ, VT, WI, and WY.