Frequently Asked Questions

Do I have to have good credit to be approved?

No. At Luther your job is your credit! Federal Government employees with 1 year full-time service, Municipal or State Government employees with 2 years full-time service. Healthcare Employees with 2 years full-time service. Private sector employees with 3 years full-time service with current employer when purchasing through salary allotment or voluntary direct deposit may also qualify. We have payment plans to fit every budget, so everyone is approved for credit of some type at LutherSales.

Top of page

Can I get credit if I have not been on my job for at least 2-years?

Absolutely! Everyone is qualified for credit of some type at Luther with a minimum of 1 year with a qualified employer. We will require some type of deposit which will be dependent upon the size of your order. The office will notify you of the deposit amount after processing your application.

Top of page

How do I qualify?

Federal Government employees with 1 year full-time service, Municipal or State Government employees with in all states may be eligible for our No Money Down 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 also be eligible for the No Money Down Program.

Fall below the minimum qualifications and we will still approve you for credit with a down payment. The amount of the down payment will be contingent upon the amount you purchase. Call to speak with an account representative for more details.

Top of page

What is my credit limit?

At Luther we boost your purchasing power by personalizing the credit process. Our goal is maintaining the family relationship we have enjoyed with our customers for over 35-years in business. Rather then limits tied to dollars, we allow you to purchase any one room at a time. For example, you can purchase a bedroom set or a living room set or a TV or a Refrigerator. We cannot ship multiple unrelated items such as a Refrigerator and a washer. We could ship a washer and a dryer or a bedroom set with a mattress.

Top of page

Do I have to wait until I am paid off in full to place another order?

Definitely not! At Luther, you are eligible to make an add-on purchase provided you pay down the principal balance by 40% on your existing agreement. Of course, your account must be current to place an additional order and is subject to credit approval.

Top of page

What are your payment terms?

Luther provides all of its customers with three (3) distinct payment options. You can pay us on our liberal extended payment plan to avoid going into your personal savings account or you can pay us in full within 6 months of delivery and save 25% off of the list price plus no interest. We also offer you an additional discount of at least 10% if you pay for your order in full prior to delivery.

Top of page

How many months of payments do I make before I am finished with the payment plan?

Please refer to our payment chart located both on our website and in our catalogs. The payment chart discloses all of the terms related to the agreement including monthly payment amount, number of months, finance charges and total amount including all finance charges. Click here to view the Luther Payment Chart.

Top of page

Can I pay off early without penalty?

Absolutely! Not only can you pay off early without penalty but you are also entitled to a credit for unaccrued finance charges. Please call our office for a payoff balance prior to sending in your last payment so that we can provide you with the correct pay off amount.

Top of page

Do I have to sign the application that I submit over the internet?

Yes. Your application cannot be processed without your signed authorization. That is the law. You may fax or email your signed application. Please refer to the "contact us" section of our web site for further information.

Top of page

Do I have to provide a pay stub or L.E.S. as part of the application process?

Yes. Your application cannot be processed without a legible copy (or original) of your pay stub or L.E.S. This will enable us to immediately verify employment saving precious time in the approval process. You may fax or mail us your pay stub/L.E.S. Please refer to the "contact us" section of our web site for further information.

Top of page

When do I receive my order?

You will be notified by phone when your order is being processed. Please allow 2-weeks on all items that ship via UPS and 3-6 weeks on all furniture from the time that you hear from our office.

Top of page

What happens if my order is received damaged?

All damaged merchandise should be refused on delivery. We will order an exchange with the factory provided the original item is in the original packaging and back in our possession. Do not refuse the entire set, only the damaged piece or pieces. Most damages occur in transit so the more trips on a truck that your merchandise takes; the more likely of future damage.

Top of page

What happens if I claim a damage after delivery?

All merchandise is covered by the factory warranty. Standard warranties include 30-days on furniture, 1-year parts and 90-days labor on consumer electronics, 1-year parts and labor on computers and major appliances. All damages that are claimed after delivery will require an evaluation by a factory authorized technician. Service will be provided in compliance with the factory warranty. Exchanges will be made only as authorized by the technician and provided that you have the original packaging.

Top of page

What happens if my order can not physically fit through the door or up the stairs?

Customers are responsible for taking the necessary measurements to ensure that the merchandise will fit in your home. Orders that are undeliverable and thus no fault of Luther are subject to a 15% restocking fee plus $200 for the failed delivery attempt. Luther will credit you back the full amount of the restocking fee for an order of equal or greater value. Any orders for less than the original order will receive a 15% discount up to the amount of the original purchase.

Top of page

What is your return policy?

Luther's return policy varies based on the product category of your purchase. Detailed below are our policies related to returns, exchanges, service, etc... for each category

Furniture and bedding can only be returned for a refund if it is refused upon delivery. Customers are entitled to a complete inspection on delivery and reserve the right to refuse the merchandise if they are disappointed in their selection for a full cash refund. Any claims made after merchandise has been signed for will be handled through a Luther contracted service technician. All merchandise that can be repaired and serviced will be handled in such manner. Exchanges will be made only at the discretion of the Luther service technician and Luther Appliance & Furniture Sales, Inc.

Major Household Appliances can only be returned for a refund if it is refused upon delivery. Absolutely no returns will be accepted after the goods have been signed for at the customer's location/home. All major appliances are covered by a 1-year factory warranty and thus the customer is entitled to service. Only the manufacturer can authorize an exchange if they determine that the merchandise was shipped dead on arrival, otherwise a factory service technician will be dispatched to your home for service.

TV's 40" and larger can only be returned for a refund if it is refused upon delivery. Absolutely no returns will be accepted after the goods have been signed for at the customer's location/home. Any claims made after delivery will be handled by a factory service technician. Only the manufacturer can authorize an exchange if they determine that the merchandise was shipped dead on arrival.

Computers and any other items shipped by UPS can be return within 3 days only if purchase is in original packaging, in new condition and seal is not broken. Items cannot be used, must be returned in mint condition and contain all original packaging and documentation intact. Returns must be made with an authorized return authorization number provided by an authorized Luther Appliance & Furniture Sales, Inc. employee. Regarding claims of defective equipment, the manufacturer at its discretion may require that an authorized service technician verify your claim before authorizing the return. Absolutely no refunds will be provided for claims made after 3-business days from receipt of merchandise. Claims made after 3-days are subject to service only and where the factory decides an even exchange may be provided.

Top of page

What is your cancellation policy on orders canceled prior to a delivery attempt?

Luther's cancellation policy varies based on the product category of your purchase. Detailed below are our policies related to cancellations of orders prior to taking a delivery.

Furniture and bedding can only be canceled for a full refund provided that Luther Appliance & Furniture Sales, Inc. has not taken possession of the merchandise. Merchandise that has been received in your local delivery warehouse is subject to a 15% restocking fee. Proper documentation confirming that merchandise has been received into our warehouse prior to your cancellation date is available upon request. As long as the merchandise has not been shipped from the manufacturer at the time of your cancellation the customer will not be subject to any fees or costs.

Klaussner and Broyhill furniture orders are custom orders. Orders for these brands are personalized specifically per customer, per order. Therefore once an order is in production and cancelled a 15% restocking fee will occur.

Major Household Appliances can only be canceled for a full refund provided that Luther Appliance & Furniture Sales, Inc. has not taken possession of the merchandise. Merchandise that has been received in your local delivery warehouse is subject to a 15% restocking fee. Proper documentation confirming that merchandise has been received into our warehouse prior to your cancellation date is available upon request. As long as the merchandise has not been shipped from the manufacturer at the time of your cancellation the customer will not be subject to any fees or costs.

TV's 40" and larger can only be canceled for a full refund provided that Luther Appliance & Furniture Sales, Inc. has not taken possession of the merchandise. Merchandise that has been received in your local delivery warehouse is subject to a 15% restocking fee. Proper documentation confirming that merchandise has been received into our warehouse prior to your cancellation date is available upon request. As long as the merchandise has not been shipped from the manufacturer at the time of your cancellation the customer will not be subject to any fees or costs.

Computers and any other items shipped by UPS can only be canceled for a full refund provided that the customer has not signed for the delivery. The customer must simply refuse the parcel from UPS. Customer will be held responsible for all shipping costs both to the customer and back to the factory related to the shipment. Proper documentation confirming all shipping charges is available upon request.

Top of page

Does the website show everything you carry?

No, Luther offers a wide selection of quality products too wide to include on its website. We feature a personal shopping service for items that are not shown on our website. Please call our office and speak with any of our Account Managers and they will help you find the items that you are looking for.

Top of page

Do you have a store where I can see the merchandise?

No. We don't have a retail store. However, our "work site vendor program" brings our full line of discounted products direct to your work place. Boost your coworker's purchasing power and earn a FREE DVD PLAYER for helping us bring our event to your worksite. Ask about fundraising opportunities for your employee association, daycare center or not for profit organization!.

Top of page

All Other Inquiries Click Here.



LutherCharge Card

Just how easy is it?

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


We are a Growing Company Needing Talented People in Many Departments
Contact Us Now
Luther Garage Sale

Visit Luther Garage Sale!

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 automatic deduction makes it easy to make timely payments."

Read More Testimonials


Social Media Facebook Twitter Google+ Pinterest LutherSales Blog LinkedIn
UPS - Free Shipping with Every Order