Easy Credit Approval Financing is Our Goal!
At Spiller Furniture & Mattress, we believe that buying quality furniture for your home should be an accessible investment. That’s why we offer flexible financing options that allow you to bring home the perfect living, dining, office, kids’, or accent furniture—all with affordable monthly payments. Depending on your employment, credit history, and specific needs, our financing terms range from 1 to 24 months, including a unique 30-60-90 Days Same-as-Cash option. You can apply online for convenience or visit one of our showrooms in Northport, Tuscaloosa, Selma, Thomasville, Demopolis, Prattville, Brent, Greensboro, Eutaw, Aliceville, AL or Columbus, Starkville, MS for immediate assistance.
Buy Today, Pay Over Time
We offer financing solutions designed to accommodate every budget. Our simple online application helps you choose the financing plan that best fits your needs.
Easy Payment Options
When you finance with Spiller Furniture In-House Credit, paying is a breeze. You can make your monthly payments in any of these three ways:
• In Person: Visit any of our stores
• By Phone: Call us at any of our stores
• Online: Use our convenient Online Bill Pay service.
Additional Financing Programs
In addition to our in-house financing, we partner with reputable lenders to offer special financing terms for qualified buyers, including options with approved credit and no down payment. Visit any Spiller Furniture location to apply, and refer to your third-party lender’s agreement for specific terms and conditions.
Financing FAQs
Same-Day Order Processing:
Orders on a Spiller Credit account might take up to 1 business day to process before scheduling pickup or delivery. Ensure your credit application is fully processed before confirming your appointment.
Application Process:
After submitting your online application, expect a call from your chosen store within 1 business day. Remember, financing isn’t confirmed until your application is fully processed.
Backordered Items:
Payments are due on schedule even if part of your order is backordered. Timely payments are essential to avoid late fees and potential credit issues.
Damaged Merchandise:
Payments must continue as scheduled regardless of merchandise condition. Our warranty team will help repair or replace damaged items, but service cannot be scheduled on accounts with missed payments.
Payment Insurance:
For eligible customers, we offer various payment insurance options—covering property, life, AD&D, and involuntary unemployment—to protect you in unforeseen circumstances. Ask your sales associate for details.
Adding New Purchases:
You can add new purchases to your existing financing account. Our credit department will review your current balance and other factors to authorize an increased line of credit, possibly requiring a down payment.
Spiller Credit Account Policies
Online Application:
Apply for our Spiller Credit financing program online if you reside in Alabama or Mississippi. By applying, you authorize Spiller Furniture & Mattress to verify your credit, employment, and income records as required by federal law. You agree to receive calls, texts, or automated messages as part of the process.
Merchandise Availability:
Your payment schedule remains fixed regardless of delivery timelines. In cases of delayed merchandise, the first payment may be postponed by the store manager, but late charges still apply if payments are missed.
Late Charges:
A 9 day grace period is provided after the due date; payments made on the 10th day incur a late fee of $18. For account inquiries, please call our credit department, 205-333-2017.
Refunds:
For returns that meet our policy, refunds are typically issued to the original form of payment. For financed orders, refunds for down payments will be processed based on the payment method used. Contracts for financed purchases with no down payment are simply cancelled once all merchandise is returned in its original condition.
Disclaimers
Our financing offers do not apply to previous purchases, clearance, special order, or backordered items. Offers cannot be combined, substituted, or exchanged for cash, and additional restrictions may apply. Items marked as Leather might include a blend of genuine leather and vinyl. Spiller Furniture reserves the right to correct any pricing or feature errors in print.
Zero-interest financing is available with approved credit, requiring equal monthly payments and, in some cases, a down payment. For full financing options, terms, and conditions, please visit our store.