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Spread your purchase over 12 months with equal monthly payments at 0% Interest and APR.

How it works

Most clients apply for financing before they begin shopping so they know exactly how much they have been approved for and can shop accordingly. Or you can find the items you want then apply for financing to see if it is covered. Whichever way you prefer, the process is smooth and simple, with just a few pieces of info up front to get you the amount you qualify for, and then a few more pieces of information when you are ready to check out and fully process the financing.

Ready to begin? Here's a look at what recent customers have financed.

  • Recently Financed

Our Goals in Offering Financing

SoBe Furniture wants to bring the modern and contemporary designs to more homes, and we don't want price to get in the way of the pieces you love and the crisp clean looks that inspire pleasure and happiness. 

To that end we have been working non-stop to explore all possible financing options including finding new lower rates, better service partners in financing, and new options when it come to offering the ability to make low monthly payments.

When you combine wonderful in-store deals with new financing plans, you get a recipe everyone can get behind... saving money up front and paying less. Plus, if you pay the full amount before your financing expires, you don't pay a single penny in interest, allowing you to spread payments out into chunks without any additional costs. 

Option 1 - ZERO INTEREST FINANCING PLANS

Whether you prefer a six month financing plan, or a 24 month financing plan, we can work with you to find out the best deal possible from our financing partners.

Our No Interest plans for financing are dependent on the total purchase amount, any specials available at the time of financing, and how long you want to spread your payments out over. Historically we have offered all of our financing plans through GE Capital and the Home Furnishings card from Citi, which are third party financing providers that will independently make approval decisions.

No Interest Financing plans are essentially revolving lines of credit that can be used for any purchase up to the maximum of amount of credit approved. You can apply for financing you want and then spend up to that level, giving you the flexibility to get the pieces and collections you want while paying later with no interest charges. 

If you already have a GE Capital card from another furniture retailer, or you were approved for a GE Capital account by a furniture retailer, you may be able to use that account for your purchase with SoBe Furniture.

Please call or visit a SoBe Furniture location today for complete details and just talk to one of our modern and contemporary specialists to see what deals are available.

We will update this section further as our new financing options become available.

And soon you will be able to apply for financing online as well, and then shop from the comfort of your home or visit us in store to apply it.

Option 2 - NO CREDIT CHECKs & NO INTEREST FOR 90 DAYS

If you prefer not to have your credit checked to avoid having your score temporarily influenced by the request, we have a great solution.

SoBe Furniture offers a "No Credit Check Payment Plan" that may be perfect for you and your home. This option has a special provision that enables you to avoid both the credit check and any interest if the purchase is fully paid off within a 90 Day window. This gives you a full three months to pay in full, spreading the amount into thirds. If you need to go over, then you can still avoid the credit check and simply add time to the length of the plan to cover the interest. 

Your credit doesn't take any hits. You don't have to worry about running it. You get 90 days interest free if paid in full. Or you can do a full payment plan and just tack on the interest at the end.

The options are endless and this is a very popular plan that gives you the flexibility to pay less or more as needed.

Feel free to apply online from our existing financing partner if you are approved, just bring in your application approval number, a photo ID, and the required items listed below and shop in person in our beautiful Boca showroom.

FINANCIAL REQUIREMENTS for the NO CREDIT CHECK PROGRAM:

•Employed - You have to have been employed for the past 6 months at the same employer

•Minimum Paycheck - You have to earn minimum income of $1000 per month (gross)

•Checking Account - You have to have an open and active checking account for the past 3 months

Good Standing - No overdrafts for the last 30 days

Regular Activity - $500 per month of deposits and regular activity

IDENTIFICATION REQUIREMENTS for the NO CREDIT CHECK PROGRAM:

•Valid ID - Photo Identification

•Bank Account Info - A Voided Check –OR– Bank Account Verification Form

•Bank Statement - Your most recent 30-day bank statement

•Paystub - Your most recent paycheck stub with year-to-date information

The NO CREDIT CHECK PROGRAM FEE:

There is a small fee to use the Progressive NO CREDIT CHECK program. The amount depends on how much you are buying and here's how it works.

For invoices under $1,000, the Funding Fee is just $100.00

For invoices $1,000 and over, the Funding Fee is $150.00

This must be paid up front, prior to funding your Progressive NO CREDIT CHECK account

The Funding Fee can only be paid for with the following three forms of payment:

•Cash

•Visa

•MasterCard

The Funding Fee is NON REFUNDABLE

Option 3 - LAYAWAY PLAN

We offer a flexible lay away plan as well.

Simply pay 20% of the total purchase price as a deposit, then make payments of at least 10% each month until you are paid off.

Pricing is guaranteed under this plan and you can arrange for delivery of your purchase once the balance is paid in full.

Product availability cannot be guaranteed for items that become discontinued or otherwise unavailable during the layaway period as we cannot complete the order until the full payment is availabe, but all deposits and payments are transferable to any other products you select, and this is a very unlikely scenario.

CURRENT ACCOUNT HOLDER RESOURCES, PHONE NUMBERS, & LINKS

For Existing GE Capital Cardholders

To log into your existing GE account, just click here for the portal.

Or call this toll free number for GE Support 1.800.333.1087

For Existing Progressive Financing Account Holders

For progressive financing account holders, call this toll free number 1.877.898.1970