Northwood Advantage card
0% for 24 months
Promotional financing for purchases of $1,499 or more.
- 24 months on purchases $1,499+
- 12 months on purchases $699+
- No prepayment penalty
- Cardholder-only preview sales
Prequalify without affecting your score
Furnish now, pay over time.
Zero interest if paid in full within 24 months on qualifying purchases with the Northwood Advantage card — or lease-to-own with no credit needed and a 90-day buyout.
Two ways to pay
Pick the one that fits
Lease-to-own
No credit needed
A lease-purchase agreement based on income and banking history rather than a score.
- Approvals up to $5,000
- 90-day early buyout
- Payments matched to your pay cycle
- Decision in about 5 minutes
Financing is provided by third-party lenders, not by Northwood Furniture Co., and is subject to their approval. Interest is charged from the purchase date if a promotional balance is not paid in full within the promotional period; minimum monthly payments are required. Lease-to-own agreements cost more than the cash price if held to the end of the term — the 90-day buyout is the least expensive path, and we will write the exact payoff figure on your receipt.
Financing questions
Before you apply
Does prequalifying affect my credit score?
No — prequalification is a soft inquiry. A hard inquiry only happens if you accept the card offer, and we tell you before that step.
What counts toward the promotional minimum?
The furniture, delivery, assembly, and any protection plan on the same invoice all count toward the $1,499 or $699 threshold.
Can I finance a custom upholstery order?
Yes. Custom orders are financed at the time the order is placed, not at delivery, so the promotional clock starts the day you sign.
What happens if I do not pay it off in time?
Interest is charged retroactively from the purchase date on the remaining promotional balance — which is why we write the payoff date on every receipt and will remind you if you ask us to.
Questions about payments?
We will run the numbers with you.
Call either showroom and we will price the room, the delivery, and the monthly payment together — before anything is signed.