BILL PAY

When you finance through Royal Furniture In-House credit, we make it simple! You can make your payment each month in one of 4 ways:

Online | payments.royalfurniture.com
See registration information for Online Bill Pay below.

In Person | At any Royal Furniture store location

By Phone | (901) 527-2099

Check by Mail | Royal Furniture Company, P.O. Box 171307, Memphis, TN 38187-0951

For accounts opened through Wells Fargo or Synchrony, please refer to your service agreement for bill pay options.

FINANCING FAQs

Is Royal Financing the same as Rent-To-Own?

Why can’t I get my merchandise same-day when I purchase with Royal Financing?

Purchases made on a Royal Credit account may require up to 5 business days for processing before delivery or pickup can be scheduled. Pickup and Delivery appointment requests, even those notated on a purchase ticket, are not guaranteed until the credit application is fully processed; this includes contacting references and confirming proof of income. If you are unsure whether your application is processed and ready for pickup or delivery, please contact your sales associate to inquire.

If my merchandise is backordered do I have to make my payments?

Yes. It is extremely important that you make your payments as scheduled. Payment due dates are not dependent on merchandise delivery or availability. Failure to make on-time payments will result in late fees and could negatively impact your credit score.
In certain circumstances, the store manager at the purchase location may authorize to postpone the first payment on the account to accommodate delayed merchandise. Such arrangements must be made prior to your first payment due date. Late charges will not be dissolved when such arrangements are requested after the payment due date has already been missed. It is the customer’s sole responsibility to keep track of and meet billing due dates.

If my merchandise is damaged can I withhold payment until it is repaired or exchanged?

No. It is extremely important that you make your payments as scheduled. Payment due dates are not dependent on the condition of your merchandise. Our warranty department is eager to help with services on damaged merchandise under warranty however we are not permitted to schedule service on accounts that are not current. If you withhold payment due to damaged merchandise, this will delay our ability to repair or replace the merchandise and will also result in late fees on your account and could negatively impact your credit score.

If I sell my furniture can I transfer the contract to the new owner?

No. Financing contracts are nontransferable. The payment responsibility remains with the person who opened the account.

What is payment insurance?

Payment Insurance is offered through Royal Furniture for eligible customers financing through Royal Credit. There are four types of insurance: Property, Life, AD&D, and Involuntary Unemployment. Each type of insurance available is intended to protect you, the buyer, in specific situations that would render you unable to fulfill your financing agreement. For example: with Property Insurance, if you were the victim of a house fire which destroyed your furniture, your insurance policy would pay off your Royal financing contract so that you would no longer be responsible for making those payments after the loss of your property. See sales associate for coverage details to find the right insurance policies for your needs. Policies underwritten by Life of the South and Lyndon Southern Financial.

Can I add a new purchase to my financing account?

Yes! Upon review of your account, our credit department may authorize an additional line of credit to your account. Our financing team is committed to helping you get the furniture you want, at a price you can afford. To consider additional financing, we will review your current balance, monthly payment to income ratio and other variables. Please see your sales associate to request an increased line of credit. Subject to credit approval, down payment may be required.

POLICIES REGARDING ROYAL CREDIT ACCOUNTS

Delivery Appointments
Please note that purchases on a Royal Credit account may require up to 5 business days for processing before delivery can be scheduled. Appointment requests, even those notated on a purchase ticket, are not guaranteed until the credit application is fully processed; this includes contacting references and confirming proof of income. If you are unsure whether your application is processed and ready for delivery, please contact your sales associate to inquire.

Merchandise Availability
Payment due dates are not dependent on merchandise delivery or availability. All financed merchandise will be subject to the original payment timeline, regardless of merchandise availability. Failure to make on-time payments will result in late fees and could negatively impact your credit score.

Individual product units are not assigned to any purchase order until the customer physically takes possession of the merchandise. Royal Furniture does not guarantee availability of purchased merchandise at the customer’s request. In certain circumstances including but not limited to Layaway orders, Backorders or an order being placed and purchased but delivery or will-call pickup being deferred due to home renovations, relocation, etc., the inventory status of the purchased item or items is subject to change. Royal Furniture may postpone delivery or will-call availability of the item or items until they are back in stock. In the event that the purchased item has become discontinued and Royal Furniture can no longer fulfill the order, Royal Furniture will issue the customer a refund for the missing portion of his or her purchase, or authorize a reselection in the form of store credit for the equal value (purchase price plus sales tax) of the discontinued merchandise. If payments have been made toward the layaway purchase but are not yet complete, the refund or store credit amount will not exceed the amount that has been paid toward the merchandise by the customer.

When merchandise is back-ordered or delayed beyond the customer’s expectation, he or she may elect to cancel the unreceived portion of the order for a refund, or request store credit for the value of the unfilled order to reselect different merchandise. Any merchandise on the same purchase ticket that has already been received will be subject to Royal’s standard return policy. If white-glove delivery is purchased and some of the merchandise is on back-order, Royal Furniture may arrange at its discretion to make a partial delivery of the items that are immediately available. When a partial delivery is made, Royal Furniture will complete a courtesy delivery of the back-ordered items once they become available and the customer will not incur a second delivery charge. In the event that the customer receives a partial delivery but cancels the back-ordered items, the received items are subject to standard return policy and the delivery fee will be nonrefundable.
If an order is impacted by back-ordered merchandise and no part of the order is delivered or received, the customer is eligible for a full refund upon cancellation of the complete order.

In specific circumstances, the store manager at the purchase location may authorize to post-pone the first payment on the account to accommodate delayed merchandise. Such arrangements must be made prior to first payment due date. Late charges will not be dissolved when such arrangements are requested after the payment due date has already been missed. It is the customer’s sole responsibility to keep track of and meet billing due dates.

For questions regarding your account please contact the collections department at 901-579-2370.

Late Charges
Royal Furniture Accounts are granted a 15-day grace period of their payment due date. Payments posted after 3PM on the fifteenth day will incur a late charge.

Refunds
For authorized returns meeting the requirements of Royal Furniture’s Return Policy, refund method will be determined at Royal Furniture’s discretion. Most often refunds will be issued to the original form of payment. Purchases made on Royal Furniture in-house credit account which are authorized for return will be eligible to receive refund of the down payment back to the credit or debit card used. For down payments made by cash or check, Royal Furniture may require seven business days for processing. Refund checks may be made available to the customer either in-store or by mail to the customer’s home address at Royal Furniture’s discretion. For financed purchases with no down payment, the financing contract will simply be cancelled. Refunds will only be issued once all associated merchandise is returned in original condition to Royal Furniture’s possession.