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Financing

Financing Offers at Old Brick Furniture


Financing your furniture at The Old Brick has never been easier. With three different options, we can find a way for you to get the financing you need AND we still give you the lowest possible price every day for the furniture you want. No need to choose from financing or the lowest price the way most stores force you to decide, at The Old Brick you get BOTH!!

An Overview of our Furniture Financing Options

At the Old Brick we know how hard it can sometimes be to buy the fine home furnishing you really want, and need. That’s why we are proud to offer customers like you not one but THREE great furniture financing options. Bad credit or no credit need no longer be a barrier between you and taking care of your household’s needs. Why keep putting off your bedroom or living room upgrade when you can apply on line or in-store for financing NOW? Visit one of our showrooms in Albany or Schenectady and find out how hassle-free home furniture financing SHOULD be! And know that you don’t have to choose between the getting the lowest price and financing as The Old Brick Furniture will give you both, every day!

Choose From Among Three Financing Plans

You can apply for an Old Brick credit card by TD Bank in store or online and get interest free financing or interest deferred financing. (Some restrictions apply. See store for details). This offers you several benefits such as managing your account online, special offers, more financing options, and a revolving credit line with monthly payments. This offer is made thru TD Bank and offers 6, 12, or 24 month options with deferred interest and minimum monthly payments. Also, longer terms such as 36 or 60 months are available for certain minimum purchase amounts or products. These plans feature equal payments for the term of the financing.

If no offer is available from TD Bank, we can explore a second look financing thru Fortiva Retail Credit. Fortiva will give approvals in one of three ways; 1st Tier approvals will be assigned a 6 month or 12 month deferred interest account, 2nd Tier approvals will receive a 6 month deferred interest account, and 3rd Tier approvals will be give a credit line and an account that is interest bearing.  All three tiers require a minimum monthly payment and all decisions/approvals are made by Fortiva. 

If no offer is available from TD Bank or Fortiva Retail Credit, or if you have no credit you can apply with West Creek Financial  a lease to own program. The generous plan to get the furniture you want by making equal payments totaling your purchase price plus a leasing charge of 1.8 times the purchase price. The payment is simply withdrawn from your checking account automatically based upon your paycheck pay period. The term of the lease is set by West Creek at 12 or 24 months depending upon the purchase price. There is also a same as cash feature which allows you to pay this off in 90 days with no lease charges. There is an intial fee of $40 due upon inception of the lease. You can apply in store or on line with West Creek Financial.

For details on any of our financing plans and what term your purchase could qualify for, please contact us by phone or email or just stop by our showroom in Albany, NY or Schenectady, NY and get the furniture you really want today.

 


 

Old Brick Card

Apply for financing for Old Brick Furniture online or in store today. Please note that if you are not approved, we do offer several finance options that can be completed in store.
Feel free to contact us to discuss.


All promotions shown below are offered through TD Bank, N.A. Financing offer subject to credit approval. Some restrictions apply. Ask for details. Apply for financing for Old Brick Furniture online or in store today. Please note if you are not approved initially, we do offer several finance options that can be completed in store. Please feel free to contact us and discuss.   
 
 


 

Furniture Plan Options

Bedding Plans

 

NO INTEREST FOR 36 MONTHS WITH EQUAL PAYMENTS.*

(Furniture Only)

Minimum purchase of $3,999 required. Excludes clearance & closeouts.
Offer Subject to credit approval.

*No Interest for 36 Months with Equal Payments: Minimum purchase amount of $3,999 is required to qualify for this promotional offer. The monthly payment is calculated by dividing the purchase amount by the number of months in the offer and will pay off the balance if all payments are made on time. Other transactions, including fees and other charges, may affect your overall monthly payment amount. This is a limited time offer. Standard account terms apply to non-promotional purchases. New accounts: Standard Purchase APR 29.99%. Minimum interest charge $1. Existing account holders, see your credit agreement for applicable terms. This offer may not be combined with other special financing offers. Prior purchases excluded and account must be in good standing. Offer subject to credit approval on a Renovate credit card account. See store associate for more information.

NO INTEREST FOR 36 MONTHS WITH EQUAL PAYMENTS.*

(Bedding Only)

Minimum purchase of $3,000 required. Excludes clearance & closeouts.
Offer Subject to credit approval.

*No Interest for 36 Months with Equal Payments: Minimum purchase amount of $3,000 is required to qualify for this promotional offer. The monthly payment is calculated by dividing the purchase amount by the number of months in the offer and will pay off the balance if all payments are made on time. Other transactions, including fees and other charges, may affect your overall monthly payment amount. This is a limited time offer. Standard account terms apply to non-promotional purchases. New accounts: Standard Purchase APR 29.99%. Minimum interest charge $1. Existing account holders, see your credit agreement for applicable terms. This offer may not be combined with other special financing offers. Prior purchases excluded and account must be in good standing. Offer subject to credit approval on a Renovate credit card account. See store associate for more information.

 
 

NO INTEREST IF PAID IN FULL WITHIN 12 MONTHS.*

(Furniture Only)

Excludes clearance & closeouts.

Interest will be charged to your account from the purchase date if the purchase balance is not paid in full by the end of the promotional period. Minimum purchase requirement of $1,000.

*No Interest if Paid in Full within 12 Months: Minimum purchase amount of $1,000 is required to qualify for this promotional offer. No interest will be assessed if you make on-time payments and pay off the balance before the promotional period ends. If you do not pay the balance in full by the expiration date, interest will be assessed from the purchase date at the standard APR. Standard account terms also apply to non-promotional purchases. New accounts: Standard Purchase APR 29.99%. Minimum interest charge $1. Existing account holders, see your credit agreement for applicable terms. Making only minimum payments will not pay off the balance in time and larger payments will be necessary. This is a limited time offer. Offer may not be combined with other special financing offers. Prior purchases excluded and account must be in good standing. Offer subject to credit approval on a Renovate credit card account. See store associate for more information.

NO INTEREST IF PAID IN FULL WITHIN 24 MONTHS.*

(Bedding Only)

Excludes clearance and closeouts.

Interest will be charged to your account from the purchase date if the purchase balance is not paid in full by the end of the promotional period. Minimum purchase requirement of $2,000.

*No Interest if Paid in Full within 24 Months: Minimum purchase amount of $2,000 is required to qualify for this promotional offer. No interest will be assessed if you make on-time payments and pay off the balance before the promotional period ends. If you do not pay the balance in full by the expiration date, interest will be assessed from the purchase date at the standard APR. Standard account terms also apply to non-promotional purchases. New accounts: Standard Purchase APR 29.99%. Minimum interest charge $1. Existing account holders, see your credit agreement for applicable terms. Making only minimum payments will not pay off the balance in time and larger payments will be necessary. This is a limited time offer. Offer may not be combined with other special financing offers. Prior purchases excluded and account must be in good standing. Offer subject to credit approval on a Renovate credit card account. See store associate for more information.

 
 

NO INTEREST IF PAID IN FULL WITHIN 6 MONTHS.*

(Furniture Only)

Includes clearance & closeout items. 20% deposit needed on all clearance & closeout items.

Interest will be charged to your account from the purchase date if the purchase balance is not paid in full by the end of the promotional period. No minimum purchase required.

*No Interest if Paid in Full within 6 Months: No interest will be assessed if you make on-time payments and pay off the balance before the promotional period ends. If you do not pay the balance in full by the expiration date, interest will be assessed from the purchase date at the standard APR. Standard account terms also apply to non-promotional purchases. New accounts: Standard Purchase APR 29.99%. Minimum interest charge $1. Existing account holders, see your credit agreement for applicable terms. Making only minimum payments will not pay off the balance in time and larger payments will be necessary. This is a limited time offer. Offer may not be combined with other special financing offers. Prior purchases excluded and account must be in good standing. Offer subject to credit approval on a Renovate credit card account. See store associate for more information.

NO INTEREST IF PAID IN FULL WITHIN 12 MONTHS.*

(Bedding Only)

Excludes clearance & closeouts.

Interest will be charged to your account from the purchase date if the purchase balance is not paid in full by the end of the promotional period. Minimum purchase requirement of $1,000.

*No Interest if Paid in Full within 12 Months: Minimum purchase amount of $1,000 is required to qualify for this promotional offer. No interest will be assessed if you make on-time payments and pay off the balance before the promotional period ends. If you do not pay the balance in full by the expiration date, interest will be assessed from the purchase date at the standard APR. Standard account terms also apply to non-promotional purchases. New accounts: Standard Purchase APR 29.99%. Minimum interest charge $1. Existing account holders, see your credit agreement for applicable terms. Making only minimum payments will not pay off the balance in time and larger payments will be necessary. This is a limited time offer. Offer may not be combined with other special financing offers. Prior purchases excluded and account must be in good standing. Offer subject to credit approval on a Renovate credit card account. See store associate for more information.

 
 

NO INTEREST IF PAID IN FULL WITHIN 6 MONTHS.*

(Bedding Only)

Includes clearance & closeouts with 20% deposit

Interest will be charged to your account from the purchase date if the purchase balance is not paid in full by the end of the promotional period. Minimum purchase requirement of $1.

*No Interest if Paid in Full within 6 Months: Minimum purchase amount of $1 is required to qualify for this promotional offer. No interest will be assessed if you make on-time payments and pay off the balance before the promotional period ends. If you do not pay the balance in full by the expiration date, interest will be assessed from the purchase date at the standard APR. Standard account terms also apply to non-promotional purchases. New accounts: Standard Purchase APR 29.99%. Minimum interest charge $1. Existing account holders, see your credit agreement for applicable terms. Making only minimum payments will not pay off the balance in time and larger payments will be necessary. This is a limited time offer. Offer may not be combined with other special financing offers. Prior purchases excluded and account must be in good standing. Offer subject to credit approval on a Renovate credit card account. See store associate for more information.

 
 
 

 

Fortiva
Fortiva Retail Credit is a revolving line of credit financing program offered by The Bank of Missouri. We understand that times can be hard and not everyone has perfect credit, so the Fortiva Retail Credit line of credit is here to help those who have excellent, fair and even not so good credit history. Not to mention, we do all of this with a fast and easy application process and a decision within seconds!

  • Deferred interest options*
  • Credit lines up to $7,500
  • Decision within seconds
  • Apply via smartphone, tablet, website 
  • Revolving lines you can use again later
  • No prepayment penalty

  •  
*Deferred Interest: Interest will be charged to your account from the purchase date if the qualifying purchase balance is not paid in full within the promotional period or if make a late payment. You must pay more than your minimum payment to avoid paying interest. [6 or 12] month deferred interest promotion provided subject to credit approval. See Cardholder Agreement for details.
 
 

 

West Creek Financial at Old Brick Furniture

West Creek Financial offers a lease to own option in which equal payments totaling your purchase price plus a leasing charge of 1.8X the purchase price are automatically withdrawn from your checking account based upon your pay schedule (weekly, bi-weekly, or monthly). There is an optional 90 day interest free buy out that can be arranged directly without a lease charge. A small $40.00 fee will be due in addition to your purchase, and West Creek will make payment to Old Brick Furniture on your behalf. For more information please visit West Creek Financial's Website.