18 Month 0% Interest Plan

The 18-month 0% interest financing plan at RC Willey is a fantastic way to get the furniture, appliances, or home decor you've been dreaming of without the pressure of interest charges stacking up for a year and a half. Here's how it works: when you opt for this financing option, you agree to pay off your purchase within 18 months.

What's great about this plan is that you don't need a down payment to get started, and it's available for purchases over $1,999.00. This opens up a world of possibilities for updating your home with bigger items or complete furniture sets without worrying about immediate payments.

If you don't pay off the entire balance within those 18 months, the interest that would have accrued during that time gets added to your remaining balance. Your plan would then switch to our Regular Finance Plan, adjusting your payment schedule and interest rate accordingly.

Getting approved for this 18-month plan is straightforward. Still, all financing is subject to RC Willey credit approval, and some restrictions apply. We know life can throw unexpected challenges your way, so RC Willey also offers Payment Protection Plans. These plans help protect your credit score and financial well-being in tough times.

Whether it's due to an unexpected job loss, a disability that keeps you from working, or even the need to care for a family member, our Payment Protection Plan has covered you. This plan ensures that in the face of adversity, your account can remain in good standing by covering your monthly payments or even settling your account balance in the event of more severe circumstances.

This financing option and our protection plans are about making your journey to a beautifully furnished home as smooth and stress-free as possible. With no interest for 18 months and safeguards for your financial future, RC Willey is here to help you create the home of your dreams while keeping your budget intact.

(All financing is subject to RC Willey credit approval. Some restrictions apply.)