Need some assistance with selecting the right mattress for your bedroom? 

Read up on our recommendations below or download the PDF to take with you!

Whether you have wood, glass, metal or painted furniture, your purchase is an investment you'll want to protect!

Ensure proper care and cleaning methods are used by scrolling down for the details, or download the PDF to keep on hand at home!

Keep your upholstered furniture in beautiful condition with these easy-to-follow Care & Cleaning steps.

Scroll down for the details, or download for continued use at home.

Keep your leather furniture in beautiful condition with these easy-to-follow Care & Cleaning steps.

Scroll down for the details or download the PDF for continued use at home.

Get the scoop from the professionals when it comes to deep cleaning your upholstered furniture.

Scroll down for the details or download the PDF below.

Get the scoop on how to care for your upholstered furniture with a little help from our Label Decoder below. Scroll down for the details or download and keep on hand at home.
 

Ensure your appliances are properly installed when you review our recommended Appliance Guidelines!

Scroll down for the details or download for future use.

Looking to purchase an air conditioning unit, but not sure which one is best for your needs?

Scroll down for the details on our recommendations, or download the PDF below!
 

Not sure what size air conditoning unit you need for your space?

Scroll down to access our quick and easy to follow Calculation Chart, or download now to use later!

Interested in purchasing a generator, but not sure where to start?

Scroll down to get the information you'll need in order to make an informed purchasing decision, and be sure to download for safety practices when operating!
 

Protecting your appliances is important! Take a read through our Surge Protection Guidelines to make sure you have what you need to ensure your appliances are properly protected against potential damage from power surges and outages.

Scroll down to get the details, or download the PDF below.

• Create and easily update important changes to your customer profile
• Access preferred customer offers and rewards
• Enjoy express checkout when you’re ready to shop
• Build a Wish List to see and share your favourites
• View all your past and current online orders

 You don’t need an online account to make a payment.  

Make convenient finance payments using our easy, Plug-and-Play portal.  If you made payments on our old website, you already know how easy it is!

Yes, when you set up an account you’ll be able to flag your favourites for easy viewing and sharing.

1 -  Set up or login to your Furniture Plus web account

2 - Find a product you like and click on the product photo. The website will take you to a detailed product listing

3 - Select the  ???? ADD TO WISH LIST link.  That’s it! Now you can easily find and share what you’ve selected.

1  - Login to your web account and navigate to WISH LIST.  The site will take you to a list of the items you have saved.

2 - Locate the product you want to remove and select the X at the top right corner of the displayed item. The product will disappear, updating your Wish List.

Sure, when you decide to make a purchase, just login to your web account, navigate to WISH LIST, and choose the item or products you want to add to your cart.  

On the Home Page, select the My Account vector.     

HOME PAGE > Click the My Account symbol 

LOG IN  >  Provide a current email address  jsmith@gmail.com

PASSWORD  > Create a strong password. Combine 8 or more characters, using upper (capital) and lower case letters, a number, and a symbol SmithJ72!

SAVE  >  Choose whether to save your credentials online, or record and keep them in a secure place. Do not save your credentials on a shared computer!

Certainly!  We’re happy to answer your questions or assist with an order, anytime between 9 am and 5 pm, Monday to Saturday.   

Contact 394-2867/8 or email customercare@furnitureplus.com to request a call back from one of our associates.

As soon as you place your order, your credit card institution issues a payment authorization, placing those funds in your account on hold.  The charges are usually confirmed and posted by your financial institution within 2-3 business days.  

Your financial transactions are protected by state-of-the-art encryption.  

When you make an online purchase, we ask for your Card Verification Code, the private, three-digit number printed on the back to minimise fraud.  We do not retain this information. 

VAT is calculated after you select an item for purchase and proceed to checkout.

Furniture Plus serves the entire Bahamas from our state-of-the-art Distribution Centre in Nassau.

Our New Providence and Grand Bahama locations showcase indoor and outdoor furniture, plus an extensive Sleep Gallery of mattresses and bed foundations.  We also sell home appliances and electronics, plus personal technology like smartphones, laptops, and media devices.

Our stores are open for full customer service, including bill payment, assistance with financing, help with design, and helpful customer service.

Enjoy full service at one of our stores if you…

Prefer to pay in person and get a hard copy receipt
Need to make a timely finance payment
Are delivering a payment for someone else
Are in the area, and it’s convenient
Or if you want to pop in to see what’s new!

Pick a way to pay that suits you best. 

Visit anytime to browse for ideas, or ask one of our associates for help with financing.  We’re usually available, but you are welcome to call and make an appointment if you’re tight for time.

Both Furniture Plus locations are open from 9 am to 6 pm, Monday to Saturday.  

We are closed on Bahamian public holidays.

We post emergency changes to our hours of operation on our website and social media channels, and alert subscribed customers with a personal newsletter.

Use the Account ID number that appears on your finance contract in this format: 10-99999-1. 

Make A Payment using your unique Account ID, plus a valid debit or credit card. 

If you do not recall your Account ID, please contact an Accounts Associate for assistance:

• Phone (242) 397-PLUS (7587)
• Email myaccount@furnitureplus.com

Make an online finance payment through our secure web portal.

• On the Home page, click MAKE A PAYMENT.
• Enter your Account  ID, payment amount, and credit card information.
• You’ll receive a confirmation once the payment has been accepted.
• A verified payment will be posted to your account within 3 business days.

Make an online finance payment through our secure web portal with your credit or debit Visa or MasterCard.

• On the Home page, click MAKE A PAYMENT.
• Enter your Furniture Plus ID, Amount, and credit card information.
• You’ll receive a confirmation once the payment has been accepted.
• A verified payment will be posted to your account within 3 business days.

We currently accept check payments at both store locations during regular business hours.

The Central Bank of The Bahamas recently announced that it would phase out checks by 2023.  We will accept checks as long as they are a recognized and valid financial instrument.

We charge $XX for returned checks, plus a $25 Late Fee if the check was presented to cover a scheduled finance payment.  These fees are automatically added to your finance contract.

Make convenient, online finance payments by direct deposit from your local bank.

Please email the following information to ensure that your payment is posted to the right account.  

• Customer Name (as shown on your account)
• NIB #
• Email address for your receipt
• Amount of payment
• WhatsApp #
• Copy of your online payment confirmation 

Email:  payments@furnitureplus.com

A verified payment will be posted to your account, and we will email a receipt within 3 business days.

Need help setting up a Direct Deposit payment?  Follow these simple instructions to begin making direct deposit payments from your facility. 

These local banks accept direct deposit payments to Furniture Plus:

• Commonwealth Bank
• First Caribbean International Bank
• Royal Bank of Canada
• Bank of The Bahamas

Make a finance payment at your bank to any Furniture Plus account.  Use the following information on your deposit slip:

• • Bank:  Bank of The Bahamas
  • Account Name:  In-House Financing Ltd.
  • Branch/Transit #: 157
  • Account #:  1350000970
•  
  • Bank:  Commonwealth Bank Ltd.
  • Account Name:  In-House Financing Ltd.
  • Branch/Transit #:  21106
  • Account #:  6003013
•  
  • Bank:  First Caribbean Int. Bank
  • Account Name:  In-House Financing Ltd.
  • Branch/Transit #: 24667
  • Account #:  1604398
•  
  • Bank:  RBC Royal Bank (Bahamas)
  • Account Name:  In-House Financing Ltd.
  • Branch/Transit #: 05745
  • Account #:  1740588

Please email the following information to ensure that your payment is posted to the right account:

• Customer Name (as shown on your account)
• NIB #
• Email address for your receipt
• Amount of payment
• WhatsApp #
• Copy of your online payment confirmation 

Email:  payments@furnitureplus.com

A verified payment will be posted to your account, and we will email a receipt within 3 business days.

When a finance payment is not made on the date negotiated in your finance contract, we automatically apply a late fee of $25 (plus VAT) to your account.

If you have been laid off or are having unanticipated financial challenges, please let us know. We encourage you to renegotiate an agreement with one of our Account Associates.

Call (242) 822-7580 or (242) 822-7583 

Call (242) 822-7580 or (242) 822-7583 

For queries about your Furniture Plus Finance account

Email myaccount@furnitureplus.com 

For queries about online banking or finance payment receipts

Email payments@furnitureplus.com

If you have been laid off or are having unanticipated financial challenges, please let us know. We encourage you to renegotiate an agreement with one of our Account Associates.

Call (242) 822-7580 or (242) 822-7583 

Email: myaccount@furnitureplus.com

Use the Account ID number that appears on your finance contract in this format: 10-99999-1. 

Make A Payment using your unique Account ID, plus a valid debit or credit card. 

If you do not recall your Account ID, please contact an Accounts Associate for assistance:

Phone (242) 397-PLUS (7587)

Email myaccount@furnitureplus.com

Make an online finance payment through our secure web portal.

• On the Home page, click MAKE A PAYMENT.
• Enter your Account  ID, payment amount, and credit card information.
• You’ll receive a confirmation once the payment has been accepted.
• A verified payment will be posted to your account within 3 business days.

Make an online finance payment through our secure web portal with your credit or debit Visa or MasterCard.

• On the Home page, click MAKE A PAYMENT.
• Enter your Furniture Plus ID, Amount, and credit card information.
• You’ll receive a confirmation once the payment has been accepted.
• A verified payment will be posted to your account within 3 business days.

Make convenient, online finance payments by direct deposit from your local bank.

Please email the following information to ensure that your payment is posted to the right account.  

• Customer Name (as shown on your account)
• NIB #
• Email address for your receipt
• Amount of payment
• WhatsApp #
• Copy of your online payment confirmation 

Email:  payments@furnitureplus.com

A verified payment will be posted to your account, and we will email a receipt within 3 business days.

Make a finance payment at your bank to any Furniture Plus account.  Use the following information on your deposit slip:

Bank:  Bank of The Bahamas

Account Name:  In-House Financing Ltd.

Branch/Transit #: 157

Account #:  1350000970

Bank:  Commonwealth Bank Ltd.

Account Name:  In-House Financing Ltd.

Branch/Transit #:  21106

Account #:  6003013

Bank:  First Caribbean Int. Bank

Account Name:  In-House Financing Ltd.

Branch/Transit #: 24667

Account #:  1604398

Bank:  RBC Royal Bank (Bahamas)

Account Name:  In-House Financing Ltd.

Branch/Transit #:: 05745

Account #:  1740588

Please email the following information to ensure that your payment is posted to the right account:

• Customer Name (as shown on your account)
• NIB #
• Email address for your receipt
• Amount of payment
• WhatsApp #
• Copy of your online payment confirmation 

Email:  payments@furnitureplus.com

A verified payment will be posted to your account, and we will email a receipt within 3 business days.

When a finance payment is not made on the date negotiated in your finance contract, we automatically apply a late fee of $25 (plus VAT) to your account.

If you have been laid off or are having unanticipated financial challenges, please let us know. We encourage you to renegotiate an agreement with one of our Account Associates.

Call (242) 822-7580 or (242) 822-7583 

Call (242) 822-7580 or (242) 822-7583 

For queries about your Furniture Plus Finance account

Email myaccount@furnitureplus.com 

For queries about online banking or finance payment receipts

Email payments@furnitureplus.com

If you have been laid off or are having unanticipated financial challenges, please let us know. We encourage you to renegotiate an agreement with one of our Account Associates.

Call (242) 822-7580 or (242) 822-7583 

Email myaccount@furnitureplus.com

We’re delighted to coordinate delivery, pick up, and shipment of any Furniture Plus order.  

To Nassau and Grand Bahama

• We inspect, deliver, and install furniture, and electronics, then remove all packing material for proper disposal.
• We inspect, deliver, and unpackage appliances
• Certain products require professional installation.  All gas appliances must be converted from natural gas to propane by a qualified propane technician.  Electrical appliances with a high voltage threshold must be installed by a licensed electrician.
• We do not remove or dispose of old furniture, appliances, or electronics. 
• We do not carry home goods over balconies, or perform any delivery requiring our crew to lift items above their heads.
• Carefully measure all access doors, corridors and spaces to ensure that the product you purchased can be easily brought into your delivery location. 

To The Port, for Freight Forwarding to The Family Islands

• We coordinate shipment via mail boat or a shipper of your choice.  We deliver goods to a port for further freight forwarding.  You pay separate ocean freight charges directly to your shipper.

Our Customer Care Department coordinates delivery and shipping services. 

If you are purchasing online, you will be prompted to provide delivery and shipping instructions. Customer Care needs reliable phone or email contacts in order to confirm or change delivery arrangements. Please provide your Order Number for all phone or email inquiries.

If you are purchasing from one of our Store Locations, a Sales Associate will connect you with Customer Care.

Customer Care can provide information about existing orders, furniture setup, inspections, returns, product warranties, or time-sensitive order cancellations.

Phone (242) 394-2867 or (242) 394-2868  

• Available 9 am - 5 pm Weekdays
• Available 10 am - 2 pm on Saturday

Email  customercare@furnitureplus.com

Sure, you’re welcome to collect your new home goods from our Nassau Distribution Centre or Grand Bahama store.  

Contact our Customer Care Department by phone or email to coordinate pickup.  

Phone (242) 394-2867 or (242) 394-2868      

• Available 9 am - 5 pm Weekdays
• Available 10 am - 2 pm on Saturday

Email  customercare@furnitureplus.com

• Customer Care can also provide information about existing orders, furniture setup, inspections, returns, product warranties, or time-sensitive order cancellations.
• Give us details about who will collect your purchase and sign for the merchandise.  We require government-issued photo ID for any third party authorised to collect your order.
• Pickup is scheduled in order to provide time for us to pull, assemble, and inspect your order, ensuring it is in flawless condition.

• Order reference (a six digit invoice number)
• NIB number, if your order was financed
• Name, phone & email contacts
• Directions to the address, or GPS coordinates
• Details about the delivery location (floor level, elevator)
• Security, gate code, parking particulars, any details 
• Name of individual receiving order (must be 18 years or older)

We strongly encourage our clients to personally receive and inspect any high value order.  Our Delivery Service includes furniture installation. We do not install appliances, wall mount TV’s, or configure electronics. 

Our delivery services include basic orientation to special product features.  

We prefer to share this information directly with you as the consumer.  When we leave, we want you to feel comfortable using and enjoying your new product.

If you are unable to receive your delivery in person, you may appoint an authorised representative of 18 years or older to receive and sign for your new home goods.

We do not clear away, remove, or dispose of your existing furniture.

As soon as you have paid for or received financing approval for an order, Customer Care connects with our Distribution Centre to pull, assemble, and prepare for delivery. 

We are usually able to deliver your paid order by the next business day.  

Approved finance orders are usually scheduled for delivery within 24-48 hours.

Some Helpful Tips: 

• Reference your six digit Order Confirmation number if you contact us with any delivery or shipping queries.
• If you have financed your Order, we will also request your NIB number to identify the right contract.
• Include all the information we request, especially your contacts, physical location, and any other details we should know about, like security, or a gate code.
• Please review our How To Prepare For Your Delivery section below to ensure your rooms are ready to receive your new home goods.

Please contact our Customer Care department to address your delivery request.  

We do not hold products for longer than 60 days.  After 60 days, we charge a non-refundable fee of $75 + VAT.

Any changes must be provided at least 24 hours prior to the originally scheduled delivery time. 

We coordinate deliveries for Family Island customers to a mail boat or freight carrier of choice.  

We are usually able to deliver a paid order to port by the next business day.  

For Finance Customers, we can usually schedule next-day delivery to port once financing is approved by 3:00 pm of your order date.

Important Note

At times our delivery drivers join a line on the heavily congested port, only to find that freight is refused because the boat is full.  In these circumstances, a Customer Care associate will contact you to reroute shipment if another carrier is available, or deliver to the next boat out.

Our flat rate delivery charge in New Providence is $69 + VAT.  Additional fees apply for upper floor deliveries, charged at $69 + VAT per level. 

Floor Level –  Delivery Rates (Excluding VAT)

• Ground Floor   $  69  
• Second Floor   $139
• Third Floor   $209

We do not carry home goods over balconies, or perform any delivery requiring our crew to lift items above their heads.

Our delivery charges in Grand Bahama are determined by 

• Geographical Zone
• Floor Level
• Number of rooms to which goods are delivered

Delivery Rates For Zone & Floor Level (Excluding VAT)

• To calculate the delivery rate for a higher floor level, multiply the level number (ie, 3, for third floor) by $69 + VAT.
• Buildings with a service elevator are charged the area rate plus $69.

A shipping fee of $69  + VAT covers delivery to the Nassau port.  

You pay ocean cargo fees directly to your mail boat or freight carrier of choice.

If the furniture or appliance you’ve been dreaming about isn’t in our showroom or online store, we may be able to help you source and land it as a special order.

Furniture Plus is the exclusive national dealer for Ashley Furniture and several prominent appliance brands.  Through our dealers, we access a broader scope of inventory and help you  find exactly what you’re looking for.

Our sales associates would be delighted to facilitate your special order.  

We’ll guide you to distributor sources, and help you price, ship, and land the products you need.

You can work with a store associate, or simply contact us for help:

Phone (242) 397-PLUS (7587)

Email sales@furnitureplus.com

Please give us 3 business days to research your request with our international vendors, explore delivery times, and calculate landed costs.

We got our name, Furniture Plus, by solving problems for our customers.  In fact, a few of our major product lines began as customer suggestions!  

Our special order customers often have a specific furniture design in mind.  Some clients have specific appliance preferences.  

We work with our vendors to help clients source the perfect home goods solution for them.  

Once we finalise landed costs, we require a 50% deposit to place your order.  

The deposit does not include the cost of delivery arrangements.

Any purchase from Furniture Plus can be financed, but your terms must be fully approved before your special order is placed.

We help you save on what it would ordinarily cost to organise your own shipment.  You benefit from our preferential dealer pricing.  You also save because we consolidate your order with other Furniture Plus shipments.  

You get exactly what you want in your home, without the hassle of handling your own importation.  

You get even more perks, like not having to find reliable and trustworthy help with trucking, installation, and delivery.

• We receive, inspect, and assemble  your order at our Distribution Centre
• We pack and prepare your special order for delivery
• We deliver and reinspect your special ordered home goods.

Important note: We do not install home appliances.  Some appliances require electrical or fuel adaptations for which a licensed technician of your choice must provide proper installation services.

Please give us 3 business days  to respond to your special order query.  We will notify you if we are waiting for a vendor response in order to answer your question.

“Fast” special orders take between four and six weeks from order placement to delivery.

If you are planning for a special order to arrive in the busy Christmas season, we advise that you order 3 - 4 months in advance.  

Given the worldwide state of logistics, consider even longer timelines. 

If you do not wish to complete an order during checkout, use your browser’s Back button to leave the process at any time.

You may also “Remove Item from Cart” option at checkout.

A completed Furniture Plus order is one that has been fully paid or financed, for an in-store or web purchase.

You will receive a physical invoice for an in-store purchase, or an order confirmation for online transactions.  Your invoice or order confirmation has a unique, six digit order number that identifies the sale.

Once an order is completed, Furniture Plus initiates scheduling for delivery.  If you need to cancel or change a completed order, call the Sales Department immediately: (242) 397-7587.

Any change or cancellation of a completed order must be made within the following terms:

• You may change or cancel a completed order at no charge up to 24 hours before it is scheduled for delivery. 
• Order changes or cancellations incur various processing fees once the order has been dispatched or has been delivered to your home.  These fees cover shipping, handling, and administrative costs.

• • RESTOCKING FEE  Changes,  or cancellations received on the delivery date incur a Restock Fee, calculated at 15% of the order total. This fee applies to cancelled orders as well as order changes.
  • CANCELLATION FEE  Changes or cancellations received on the delivery date also incur a Cancellation Fee of $45 + VAT. This fee is waived once you accept a store credit for the value of the returned product.
  • DELIVERY/PICKUP FEE  This fee covers collection of a returned or exchanged item:

• • • Single storey delivery/pickup fee:    $69+ VAT
    • Second storey delivery/pickup fee:  $139 + VAT

Because our delivery process begins as soon as an order is completed, it is in your best interest to cancel by calling the Sales Department directly: (242) 397-7587.  

You may cancel a completed order at no charge up to 24 hours before it is scheduled for delivery. If you select an in-store credit or similar products your cancellation fee will be waived. 

Call Customer Care: (242) 397-7587/8. 

All cancelled orders are subject to Cancellation and Restocking Fees. If you’re returning or exchanging a product that has already been delivered, you also pay Delivery/Pickup Fees. 

We refund the value of your purchase, less applicable cancellation, restocking, and delivery fees. 

We usually refund using the payment method used for purchase, with the exception of cash or check payments.

If you paid by check or cash, our Customer Care Department will contact you for banking instructions, and process your refund by direct deposit.

If your order was paid by credit card, we will credit the card used for payment.  Processing times vary from bank to bank, so allow 2-3 business days for the credit to appear on your account.

If your order was paid in cash, we will contact you for banking instructions. We direct deposit refunds within 5 business days.

If your order was financed, your pending loan will be deleted in our system. 

If you made a downpayment and wish to have a refund you will incur a cancellation fee. 

If you choose to use the down payment towards a cash sale, open loan or instore credit the cancellation fee will be waived. 

Contact Customer Care  to return or exchange a product, within these terms:

• Return the item within 30 days of purchase, in original condition, including all packaging.  
• All returned items are thoroughly inspected and must be approved for refund or exchange.  Products are similarly inspected prior to delivery.
• We do not accept returned mattresses, mattress covers, or soft furnishings, including pillows and blankets.
• In the event of a manufacturing defect, Furniture Plus will replace the item at no additional cost, once the return is filed within three months from the date of purchase. 

Contact Customer Care to schedule a service order and inspection.  If the issue requires assessment or repair by a qualified technician, we will collect and return the product at no charge to you, once the issue falls within three months from the date of purchase.

Certainly.  Customer Care will coordinate inspection and collection of any defective item being returned within terms of our three-month warranty period.  Our warranty period begins on the date your product was purchased.

Please contact Customer Care to schedule collection of any other return falling within 30 days of purchase.    

The original delivery fee is non-refundable once an item has been dispatched, shipped, or delivered.

Furniture Plus is not liable for any delivery or shipping fees on returned or exchanged items.

Contact the Sales Department to arrange for a product exchange (less applicable cancellation, restocking, and delivery fees).  

All returned products are subject to inspection and must be received in the original packaging.

A Restock Fee is 15% (plus VAT) of the value of any returned or exchanged product, or cancelled order.

Any order that is cancelled or changed on its scheduled delivery date attracts a Cancellation Fee of $45 + VAT. However, we waive this fee once you accept a store credit for the value of the returned product.

This fee covers our delivery and trucking costs for a return or exchange, or for a cancelled order, assessed as follows:

• Ground floor delivery/pickup fee:    $69 + VAT
• Second floor delivery/pickup fee:  $139 + VAT

We offer a three month warranty on all products, including appliances and electronics.  

If there is an issue with your purchase during the warranty period, we will  conduct a professional service inspection.  We may recommend assessment by a qualified, third party technician.  

Warranty repairs restore a damaged or defective product to the manufacturer’s standard at no additional cost to you.  We are not liable for any damage due to consumer abuse or neglect.

As the nation’s No. 1 appliance provider, we stock reliable brands supported by experienced, local technicians. We also provide detailed product care information to extend the life of your Furniture Plus purchase.

In-House is a lender specialising in large purchases such as furniture, appliances, and electronics. Because it can be challenging to pay up front  for necessary home goods, In-House offers special finance terms. 

These arrangements let you purchase and enjoy home goods through  affordable payments.

In-House also believes that:

• Customers should be treated with respect.
• Communication is the most important part of our relationship with our customer.
• Delivering finance solutions and services to local customers is an honour.  

In-House is the only model of its kind offering a local furniture and appliance finance solution in The Bahamas through Furniture Plus. 

For almost  three and half decades, we have proudly helped roughly 2 out of 10 households transform their homes through empowering, structured financing.

When In-House Investments decides how much they can loan you, they look at your ability to pay the loan back over time. The better you have managed your money and lifestyle, the more they are willing to loan you, and the longer they will give you to pay it back.

Even if you have been on the job a short time and do not own a home, you are still entitled to credit with Furniture Plus.  As pay back as promised, your credit will continue to improve!

Absolutely! We have customers who have furnished many family homes over the years using their good credit. Valued customers who meet their commitments with In-House are eligible for higher credit limits and better terms. 

These preferred customers are entitled to add to their purchases over time, often without an increased monthly payment. In-House often opts to simply extend the amount of time you have to pay off your purchase!

In-House Investments has also developed a Salary Deduction program to improve our customers’ ability to make purchases with Furniture Plus. 

Often a Salary Deduction Agreement increases the overall amount for which new customers can apply, and offers longer repayment terms.  It usually eliminates the need for a down payment. 

With our Salary Deduction Program , there is an agreement with a participating employer to automatically deduct finance payments from your paycheck.  

It’s also convenient because  you never have to worry about a late payment.

If you make a late finance payment, you will incur a penalty fee covering the cost of recalculating the finance agreement.  To avoid paying more than you planned for your purchase, we encourage our customers to pay by the scheduled date, and contact a finance associate if you are having an issue paying on time.  

The most important thing to In-House Investments is communication. If your circumstances have changed, then you should contact one of our Customer Service Representatives immediately. Depending on your situation, special arrangements can be made. When it comes to the future of your credit this is what is important:

You made a commitment and must make every effort to meet that commitment. But, when you can’t…

You must make every effort to pay as much as you can even if it is not the full payment. And…

You must TALK TO US! We know things happen in life. But when we don’t hear anything or don’t receive payments we can only think the worst: that we loaned money to someone who is not fair or honest.

Your commitment to pay is not only a legal one, it is an ethical one as well.

We require various kinds of documentation for any person listed on a finance application, whether the primary applicant, or a co-signer.

IDENTIFICATION DOCUMENTS

We require two Identification documents that confirm your legal name, such as both sides of a driver’s licence, a passport, NIB card, Voter’s card, or travel document.  One of these documents may be an Employee ID card.

We also request current work or spousal work permits, because they confirm legal employment eligibility.

We accept electronic copies of these documents, emailed to credit@furnitureplus.com.

INCOME DOCUMENTS

In addition to the two pieces of official identification required of all finance applicants, we ask you to provide income verification documents.

If you are employed, we require an employment confirmation letter and recent pay stub.

If you are self-employed, we require a copy of your current business licence, a bank reference letter, and a recent bank statement 

If you are retired, we require a pension verification or “award letter” from NIB or your pension agent.

We accept electronic copies of these documents, emailed to credit@furnitureplus.com.

SALARY DEDUCTION AGREEMENT

If your finance contract was approved on the grounds of a salary deduction agreement, we will email a document to your employer for your signature and theirs.  The Company (usually someone in Payroll or Human Resources) stamps or affixes the Company seal to this document. It must be physically delivered to Guest Services at one of our store locations.  We do not accept electronic Salary Deduction documentation.

You may email any support documents confirming your legal identification or verifying your income.  Email credit@furnitureplus.com.

We only accept Salary Deduction Agreements in person. They must be physically delivered to Guest Services at one of our store locations.  If you live on a Family Island and cannot easily walk into one of our stores, please call or email us to make arrangements for the documents to be delivered.

WORK WITH A FINANCE ASSOCIATE 

Phone (242) 397-PLUS (7587)

Email credit@furnitureplus.com

We assess each new finance application on the merits of your current status. Your support documents provide rapid verification of the data submitted on your finance application, and ensure that our customer records are accurate.  

For best results, please make sure that each page does not exceed 2 MB.

If your credit approval is lower than what you expected, one of our finance associates may be able to provide another solution.  

Over the years, we’ve collaborated on many creative strategies that solve problems and leave our customers satisfied.  

Often we propose budget friendly workarounds, combine a down payment with financing, suggest a salary deduction agreement, or recommend factors that may improve creditworthiness.  

We never say no--we say, “here’s how you can do it.”

WORK WITH A FINANCE ASSOCIATE 

Phone (242) 397-PLUS (7587)

Email credit@furnitureplus.com

We usually process financing and set up your finance contract within 24 to 48 hours of receiving all support documents.  Occasionally, it takes a little longer to verify documents with employers or other references.

We ask you to provide valid work and/or spousal work permits, just to verify that you are able to legally work in The Bahamas.  Your finance eligibility is based on your ability to work.

Please discuss the issue with one of our Finance Associates. We may be able to accommodate you with an interim solution if one of your documents is being renewed.  Your inquiry will remain confidential.  

WORK WITH A FINANCE ASSOCIATE 

Phone (242) 397-PLUS (7587)

Email credit@furnitureplus.com