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Credit & Financing

Ruby Gordon Home offers outstanding credit and financing options to help you get the furniture you love into your home. Apply for credit online with our online application and get fast results. Apply now and start taking advantage of some of the best furniture financing offers in the Greater Rochester, New York area.

Wells Fargo Financing

financing at Ruby-Gordon Home

8.99% APR for 60 Months1

with equal monthly payments and minimum purchase of $499.
Or see if you Pre-Qualify without affecting your credit score

Wells Fargo Financing Program Advantages

  • Convenient Monthly Payments

  • Open Line of Credit - for all your purchasing needs

  • Advance Notice of Preferred Customer events

  • Quick Credit Decision

  • Easy to use online account management and bill payment options

Ruby-Gordon Wells Fargo Credit Card

100% Credit approval is our Goal!

Finding quality furniture for your home is an important investment. At Ruby-Gordon, we strive to make that investment affordable for all families. That's why we offer furniture financing so you can bring home the perfect living room furniture, dining room furniture, office furniture, kids room furniture, accent furniture, or other furniture while making monthly payments. Stop in to our showroom if you have any questions, otherwise the application is available online for your convenience.

No Credit Needed Option

Flexible Payment Options with Easy $50 Initial Payment.

Approval with 4 simple questions.

  • Income History

  • Monthly Income

  • Checking Account

  • Checking Activity

Acima Lease No Credit Needed

Bad Credit or No Credit?

Try our no credit needed option* with leasing choices of up to 24 months!

Here's what you'll need to get started:

1. Photo ID

2. Social Security Number or Individual Taxpayer Identification Number (ITIN)

3. Debit Card with $40.00 Available Balance

4. Checking Account In Good Standing and your Routing and Account Numbers

*We do perform a credit check on the customer as a part of our application process. “No Credit Needed” does not imply no credit check. 

Financing FAQ's

Why choose financing?

  • Purchase furnishings for a reasonable monthly payment within their desired budget.

  • Build positive credit scores by paying off their debts within the specified time-frame.

  • Easily manage payments that are spread out over a long period of time.

  • Secure a dedicated line of credit for future furniture purchases.

Can I get my order same-day when I use Financing?

If financed purchases are in-stock, you can finance your purchase and take immediate delivery.

Do I need to make payments if my purchase is backordered?

You do not start payments on your furniture purchase until the financed purchase is delivered.