Furniture payment plans in Baton Rouge
How paying over time works at Big Ben Furniture. If you've never bought furniture on payments before, here it is in plain words. Ask us about anything that isn't clear.
Paying over time
Payment plans: two ways to pay over time
- 1We have two ways to pay over time.
- 2Our in-house plan is a lease-to-own agreement with no credit check.
- 3If the in-house plan isn't a fit, we also work with outside companies. Their option includes a soft credit pull.
Your first payment is due when you sign. After that, payments are set to your payday, every two weeks or monthly.
Your first payment is due up front. If you've paid with us before and kept up with your payments, we may be able to waive it.
Our in-house plan
How lease-to-own works here
What kind of agreement it is
Our in-house plan is a lease-to-own agreement. You own the furniture once the agreement is paid in full.
What you see before you sign
In the store, we go over a sheet with you that lays out the number of months, how often you pay, and your first due date after the first payment. You get the agreement itself when we deliver.
How the payment is taken
Every in-house plan is on automatic payments, from the debit card on the bank account your pay goes into. Payments are set to your payday: every two weeks if you're paid every two weeks, monthly if you're paid monthly. You sign a form agreeing to the automatic payments when we deliver.
If you need more time
Call us at (225) 356-0068. Each payment covers the time until your next one is due, and you can return the furniture at any time without a penalty.
Paying cash
Cash and carry
You can also pay in full and take it home. Customers call it cash and carry.
The numbers
Paying it off early, and what it adds up to
Ask us about any piece and we’ll give you its numbers, including what it takes to pay an agreement off early. Call (225) 356-0068 or come by the store.
Questions
Asked at the counter
New to this? Read what to ask before you sign any furniture payment plan. Looking for something to put it toward? Start with furniture, mattresses or appliances.
How do the payment plans work?
We have two ways to pay over time. Our in-house plan is a lease-to-own agreement. We go over the months, how often you pay and your first due date with you before you sign, and you can ask us anything.
Is there a furniture store in Baton Rouge with no credit check?
Yes. Our in-house plan is a lease-to-own agreement with no credit check. If the in-house plan isn't a fit, we also work with outside companies. Their option includes a soft credit pull. We're at 2121 N Foster Dr; call (225) 356-0068 and we'll go through both.
Can I get a furniture payment plan with bad credit?
Our in-house plan doesn't look at your credit score. It looks at three things: a job that pays you by direct deposit, a lease or mortgage in your name, and a debit card from the bank your pay goes into. You'll also give us references, and they need to be close family. Bring in your ID, your lease or mortgage papers, your last two check stubs and your debit card, and we'll go through the application together.
Do the payment plans cover appliances and mattresses too?
Yes. Furniture, mattresses and appliances can all be paid for over time or in cash. Call (225) 356-0068 and we'll go through it with you.
How often do I pay?
Your first payment is due when you sign. After that, payments are set to your payday, every two weeks or monthly. Every in-house plan is on automatic payments.
Do I need money down?
Your first payment is due up front. If you've paid with us before and kept up with your payments, we may be able to waive it.
Can I return it?
Call us at (225) 356-0068. Each payment covers the time until your next one is due, and you can return the furniture at any time without a penalty.
Can I just pay cash?
You can also pay in full and take it home. Customers call it cash and carry.
What do I need to bring?
Applications are done in the store. Bring four things and we'll go through it with you. Your ID or driver's license. Your lease or mortgage papers. Your last two check stubs. Your debit card.