Pay over time at Regency Furniture

Regency Furniture sells discount furniture from Maryland, Virginia and Pennsylvania showrooms. We confirmed Klarna, Affirm, Progressive Leasing and Synchrony credit card here.

Ways to pay over time

Options and terms can change and depend on your credit. Confirm at checkout before you accept.

Pay later

Klarna

APR
0% to 35.99%
Credit check
Soft for Pay in 4

Checked Nov 10, 2026 We saw Klarna at the store’s checkout

Store offer, minimum and plan lengths are from Regency Furniture’s website. APR and credit check are Klarna’s general terms.

All Klarna stores and terms

Pay later

Affirm

Minimum purchase
Often $50
APR
0% to 36%
Credit check
Won't affect your score

Checked Nov 10, 2026 We saw Affirm at the store’s checkout

Store offer, minimum and plan lengths are from Regency Furniture’s website. APR and credit check are Affirm’s general terms.

All Affirm stores and terms

Lease-to-own

Progressive Leasing

Cost
More than cash price
Credit check
No credit needed

Checked Nov 10, 2026 We saw Progressive Leasing at the store’s checkout

Store offer, minimum and plan lengths are from Regency Furniture’s website. Cost and credit check are Progressive Leasing’s general terms.

All Progressive Leasing stores and terms

Store credit card

Synchrony credit card

Name at checkout
Synchrony HOME Credit Card
APR
Promo offers, then the card's purchase APR (34.99% on new Synchrony HOME cards)
Credit check
Credit card application

Checked Nov 14, 2026 The store’s website says it offers Synchrony credit card

Store offer, minimum and plan lengths are from Regency Furniture’s website. APR and credit check are Synchrony credit card’s general terms.

Synchrony financing: how it works

What a plan could cost

Example: Vison 2-Piece Sectional (With Storage Ottoman) at $499.00 (price on Nov 14, 2026), paid monthly over 12 months with Klarna financing, where the store offers it.

Affirm Pay in 4: 4 payments of $124.75 every 2 weeks, with no interest if you pay on time.

APRMonthlyTotal paidInterest
0%$41.58$499.00$0.00
19.99%$46.22$554.67$55.67
35.99%$50.13$601.54$102.54

For illustration only, before tax and shipping. Your APR depends on your credit and the plan. 0% APR is only possible if the store runs a 0% offer and you qualify.

How to pay over time at Regency Furniture

  1. Add what you want to your cart on regencyfurniture.com.
  2. At checkout or on the store’s financing page, choose Klarna, Affirm, Progressive Leasing or Synchrony HOME Credit Card.
  3. Each one runs its own check. The cards above show which use a soft check and which can affect your credit.
  4. Compare the plans and the total cost, then accept only if the total works for you.

Questions about Regency Furniture financing

Does Regency Furniture offer financing?

Yes. We confirmed Klarna, Affirm, Progressive Leasing and Synchrony credit card at Regency Furniture on Nov 14, 2026. Options can change, so check at checkout before you buy.

Will checking my rate at Regency Furniture affect my credit score?

Klarna Pay in 4 uses a soft credit check, which does not affect your score. Monthly financing needs a credit check when you apply, and the loan may be reported to credit bureaus.

Can I use Klarna in a Regency Furniture store?

We checked online shopping at Regency Furniture only. If the store has physical locations, ask there whether financing is available.

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