Financing Options

At Bircata, we understand that purchasing furniture is an investment. To make it easier for you to bring your dream pieces home, we offer flexible financing options that suit your budget and lifestyle. Explore the financing options below and discover how you can make your furniture dreams a reality.

Installment Plans

Our installment plans allow you to spread out the cost of your furniture purchase over a fixed period. With low monthly payments, you can enjoy your new furniture while comfortably managing your budget. Simply choose the installment plan that suits you best during the checkout process.

Store Credit

If you prefer greater flexibility and control over your payments, our store credit option is the perfect fit. Apply for our store credit card and enjoy exclusive benefits such as special financing offers and rewards. Our simple application process ensures quick approval, allowing you to make your purchase without delay.

Partner Financing

In collaboration with trusted financing partners, we offer additional financing options to provide you with even more choices. Our partners offer competitive rates and flexible repayment terms, ensuring you find the financing solution that aligns with your needs. During checkout, select the partner financing option and follow the provided instructions to complete your application.

How to Apply

Applying for financing is a simple and straightforward process. You can either apply online or visit our store to speak with one of our friendly representatives who will guide you through the application steps. Our online application form is secure and takes only a few minutes to complete. Rest assured that all information provided will be treated with the utmost confidentiality.

Eligibility Criteria

We believe in providing financing options for a wide range of customers. While specific eligibility criteria may vary based on the financing option you choose, we strive to make financing accessible to as many individuals as possible. Factors such as credit history, income, and employment status may be taken into consideration during the approval process. Even if you have a less-than-perfect credit history, we encourage you to apply, as our financing partners consider various factors when evaluating applications.


Can I pay off my financing early?

Yes, you can pay off your financing before the agreed-upon term without any penalties. Enjoy the flexibility of settling your balance ahead of schedule and owning your furniture outright.

What happens if I miss a payment?

If you miss a payment, please contact our customer support team immediately. Depending on the financing option chosen, there may be late payment fees or interest charges. Our team will work with you to find a suitable solution and help you get back on track.

Can I return or exchange items purchased through financing?

Absolutely! Our return and exchange policies apply to all purchases, including those made with financing. Please review our standard return and exchange guidelines for complete details.

Customer Support

We're here to assist you every step of the way. If you have any questions or need further clarification about our financing options, please don't hesitate to contact our customer support team. Our knowledgeable representatives are ready to provide the information and guidance you need to make an informed decision.