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Buy Now Pay Later Furniture Financing plus Computers, TVs, Electronics, Appliances and More...

Luxury Made Easy. From furniture and appliance purchases, to computers, TVs, jewelry and electronics purchases, you can qualify based on your job, not your credit score. Now you and your family can get the computer, appliance and furniture items that you want, when you need it by qualifying for our buy now pay later plans. We even offer bad credit financing while providing high quality, brand name products and premium service on terms you can afford. Note: Some people call this "Payroll Shopping".

No Stress Payments. LutherSales promotes responsible purchasing through salary allotment or payroll deduction. Your payments are a fixed amount with a defined finish line. No more writing checks or forgetting to mail the payment, we're here to make buy now pay later furniture financing easy.

How Do I Qualify? Federal Government employees with 2 years full-time service, Municipal or State Government employees with 2 years full-time service in the following states: Arkansas, District of Columbia, Georgia, Maryland, New York, Tennessee, Connecticut, Florida, Louisiana, Michigan or North Carolina and Active Duty Military may be eligible for our No Money Down - Buy Now Pay Later payment program when paying by salary allotment or direct deposit. Private sector employees with 3 years full-time service with current employer when purchasing through salary allotment or voluntary direct deposit may qualify.

Bad Credit Financing Available. IF you fall below the minimum qualifications, and need bad credit financing? We most likely have a bad credit financing plan for you, or we may still approve your credit purchase with a down payment. We want to say YES... Call to speak with a special Buy Now Pay Later service representative for more details. Note: Some people call this "Payroll Shopping".

Quality and Convenience. As a LutherCharge Membership Card holder you get the added protection of our extended furniture warranty. This entitles you to free service on your buy now pay later furniture financing purchase for the life of your payment plan in accordance with the manufacturer's warranty. We also offer free nationwide white glove delivery service and world class customer service. At LutherSales your satisfaction is our top priority.

Boost Your Buying Power at LutherSales - Your Buy Now Pay Later Furniture, Computer, Electronics and Appliance Store! Bad Credit Financing Available.

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LutherCharge Card

Just how easy is it?

  • 3-Minute Application
  • No Credit Card Required
  • Low Monthly Payments
  • Brand Names
  • Free Delivery
Apply Now

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Get great deals on all of our overstocked items.

"You guys were the only people willing to give me credit when I couldn’t get any."

“Thanks to Luther Sales I was able to get all the electronics that I wanted – a laptop and itouch. The hassle free payroll deduction makes it easy to make timely payments."

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