Financing Options

OPTION 1 – NO INTEREST IF PAID IN FULL WITHIN 12 MONTHS*

  • On purchases of $1,000 or more with your Home Design card.
  • Interest will be charged to your account from the purchase date if the promotional balance, including optional charges, is not paid in full within 12 Months or if you make a late payment.
  • Minimum Monthly Payments Required.
  • Account fees apply*

*If promo and debt cancellation are not paid in full within 12 months, interest at 26.99% will be assessed from purchase date. If account goes 60 days past due, promo may be terminated early and accrued interest will be billed. As of 7/15/2010, Purchase APR 26.99%, Penalty APR 29.99%. Activation Fee $29.00. Minimum Interest $2.00.  Subject to credit approval.


OPTION 2 – 11.99% APR UNTIL PAID IN FULL*

  • On purchases of $1,000 or more with your Home Design credit card.
  • Fixed Minimum Monthly Payments Required.
  • Account fees apply.
  • Penalty APR may apply if you make a late payment*

*Fixed monthly payments equal to 2.00% required but interest will be assessed at reduced 11.99% if all minimum monthly payments on account, including debt cancellation, paid when due. If account goes 60 days past due, promo may be terminated early and standard account terms will apply. As of 7/15/2010, Purchase APR 11.99%, Penalty APR 29.99%. Activation Fee $29.00. Minimum Interest $2.00. Subject to credit approval.


OPTION 3 – 9.99% APR UNTIL PAID IN FULL*

  • On purchases of $1,000 or more with your Home Design credit card.
  • Fixed Minimum Monthly Payments Required.
  • Account fees apply.
  • Penalty APR may apply if you make a late payment*

*36 – Fixed monthly payments equal to 3.23% required but interest will be assessed at reduced 9.99% if all minimum monthly payments on account, including debt cancellation, paid when due. If account goes 60 days past due, promo may be terminated early and standard account terms will apply. As of 7/15/2010, Purchase APR 9.99%, Penalty APR 29.99%. Activation Fee $29.00. Minimum Interest $2.00. Subject to credit approval.