RC Willey Credit and Payment Plans Information

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RC Willey Payment Plans



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Get on with the important things in life

RC Willey stands beside you, whether you are just starting out, establishing new credit or looking to furnish your dream home. We will go the extra mile to help you find a payment plan that works within your budget. Applying for one of our payment plans is easy! Just fill-out the online form or apply in-store. Either way, RC Willey makes it simple to find a payment plan that is right for you.

The benefits of your RC Willey Payment Plan

Your RC Willey Payment Plan is designed to give you the customer, confidence of low interest rates, low monthly payments and optional Credit Protection Insurance. And, with features like Online Bill Pay and paperless statements you can access your secure account 24 hours a day.

Apply today and see which Payment Plan is right for you

Premier Payment Plan

The Premier Plan is an option you can choose to have more flexibility to pay for your purchases with a low monthly payment and a simple fixed interest rate. See if you qualify today.

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0% Interest Payment Plan

RC Willey's 0% Interest Payment Plan comes with no down payment, low monthly payments and 12 or 18-month financing options. See if you qualify today.

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Bright Start Payment Plan

Low credit or no credit? You may qualify for RC Willey’s Bright Start Payment Plan. It comes with a credit line of up to $500. The Bright Start Plan is a great place to start building or rebuilding your credit! See if you qualify today.

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OAC, some restrictions apply.

Have peace of mind with a low interest rate and no surprises.

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Finance for 12 or 18 months with 0% interest!

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Finally, a finance plan that fits your budget and your life.

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The Premier Plan offers greater flexibility with a low fixed interest rate and low monthly payments

The RC Willey Premier Plan comes with a low minimum monthly payment and a fixed interest rate of 9% APR. This plan is available on all purchases of $299 and higher. Since there are no hidden fees or prepayment penalties you can control the time you need to pay for your purchases.

See how low your monthly payments could be
with the Premier Plan*

Enter the amount you wish to borrow and see your low fixed monthly payment.

*For estimation purposes only.

Monthly Payment
Number of Months
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OAC, some restrictions apply. Official Version

Keeping it simple with 0% Interest

Wouldn’t it be nice to break up your payments on a purchase and not pay any interest? RC Willey’s 0% Interest Payment Plan is a great program for customers who are confident they can pay the balance in full before the end of the financing period (12 or 18 months - details below). No down payment is necessary for any of these financing periods. There are minimum monthly payments based on the amount financed, but if you pay more than the minimum, you could pay it off in full by the end of the finance period and pay NO INTEREST! If you don’t pay it off in full by the end of the finance period, its not a problem. You just continue to pay off the remaining balance; however, any interest would be calculated from your original purchase date (just so there are no surprises).

See If You Qualify Today!

12 Months 0% Interest

This plan is available on purchases of $299 and higher‡. Also, no down payment required and your minimum monthly payment is 5% of the principal balance.

18 Months 0% Interest

This plan is available on purchases of $1999 and up‡, with no down payment required. Your minimum monthly payment is 5% of the principal balance.

Apply now OAC, some restrictions apply. Official Version

More about our Bright Start Plan

Every good credit score had to start somewhere. RC Willey’s Bright Start Plan puts you on the right path toward building (or rebuilding) your credit. Applying is easy and fast. If you qualify, you can receive a credit line of up to $500‡. As you make your easy monthly payments, you will be able to upgrade your plan on future purchases to our Premier Plan or any of our 0% Interest Plans. Get on track to a strong credit score today.

Apply now OAC, some restrictions apply. Official Version

Payment Plans with even more to offer

Your RC Willey Payment Plan comes with even more! In addition to making purchases at RC Willey, you can also use your RC Willey Payment plan at participating merchantsƚ (check with merchant location for finance availability).

ƚNot available with all payment plans. Financing restrictions may apply. Financing not available at all merchant locations. See your local merchant for availability.

Participating Merchants

Protect Your Credit

At RC Willey, we recognize that life is full of little unfortunate events. Should you be faced with such an event, RC Willey offers elective insurance coverage to help protect your credit with our Payment Protection Insurance.

More info

Additional Resources

Financing a purchase should be simple and completely transparent. We have provided additional information to keep you informed and confident in your financing options.

OAC - On Approved Credit.
Koalafi - Pay over tome, no credit needed

Introducing Koalafi

At Koalafi, we understand that not everyone has perfect credit, and many people are just getting started. We offer lease-to-own financing that makes life changing purchases possible for anyone - no credit needed.

How lease-to-own financing works

A Koalafi lease isn't just a great way to manage a big expense - it also helps you build your credit. Koalafi buys the item and leases it to you, reporting your progress to the credit bureaus to help boost your credit score. After the last payment, the item is all yours!

Perks you'll love

  • No hit to your credit when you apply
  • Clear and simple terms
  • Early payoff options to save
  • Opportunity to establish and build credit
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*We do perform a credit check on customers as part of our application process. "No Credit Needed" does not imply no credit check. This is a lease-to-own product. You will not own the leaseed items unless you make all scheduled payments or prepay in accordance with the lease. Details vary by state. Program features are for qualifying customers only. Offer subject to change. Consult your lease for complete terms and conditions.

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