We will consider all applications regardless of credit history.

We welcome all applicants and offer a No Money Down option, as well as an additional program that may require a down payment. The specific amount of the down payment will be contingent on the amount of your purchase. If you would like more information on these programs and their requirements, please call to speak with one of our account representatives. They will be happy to assist you further.

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 which is subject to credit approval.

There are different payment options depending on your specific financial situation. You can choose to pay off your purchase within 12 months or choose a longer payment option.  Please call your representative to discuss which payment plan is best for you.

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

You will be notified by phone or email when your order is being processed. Please allow an estimated timeframe of up to 2-weeks on all items that ship via parcel service and 3-6 weeks on all furniture from the time that you hear from our office. For orders that ship via parcel service, i.e. UPS, USPS, or FedEx you will be emailed the parcel service tracking number. For furniture orders you will be updated with the manufacturer’s estimated ship date. The local delivery agent will schedule the in-home delivery within 72 hours of inspection from the date received.

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.

No, Luther offers a wide selection of quality products that are too wide to be included 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 representatives and they will help you find the items that you are looking for.

Everyone is welcome to apply at LutherSales. We may require some type of deposit which will be dependent on the size of your order. The office will notify you of the deposit amount after processing your application.

Since everyone’s situation is different, applicants will be eligible for different credit limits. We work to match you with a lender that will offer you the best financing that fits your budget and situation.  At Luther we boost your purchasing power by personalizing the credit process. Our goal is to maintain the family relationship we have enjoyed with our customers for over 50-years in business. You are more than a number at Luther, which is why we work hard to help you get the items you want and need affordably.

Luther provides all of its customers with three (3) distinct payment options. You can pay us on our liberal extended payment plan subject to credit approval 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.

Absolutely! Not only can you pay it 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.

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 or L.E.S. Please refer to the "contact us" section of our website for further information.

Inspect your merchandise upon delivery. All damaged merchandise should be refused on delivery and the delivery ticket must be noted for the damage. We will order an exchange with the factory provided the original item is in its 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.

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

Furniture and Bedding can only be returned for a refund if they are 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 this manner. Exchanges will be made only at the discretion of the Luther service technician and Luther Appliance & Furniture Sales Acquisition LLC.

Major Household Appliances can only be returned for a refund if they are 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.

TVs 40" and larger can only be returned for a refund if they are refused upon delivery. Absolutely no returns will be accepted after the goods have been signed for at the customer's location or 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 a parcel service, i.e. UPS, USPS, or FedEx, can be returned within 3 days only if the purchase is in its original packaging, is in new condition and the 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 Acquisition LLC 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. 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.

Customers are responsible for taking the necessary measurements to ensure that the merchandise will fit in their homes. Orders that are undeliverable and thus not Luther's fault, 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.

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: 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. 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 in our warehouse before your cancellation date is available upon request. 

Major Household Appliances: 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. 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 in our warehouse before your cancellation date is available upon request. 

TVs 40" and larger: 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. 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 in our warehouse before the cancellation date is available upon request. 

Computers and any other items shipped by parcel service, i.e., UPS, USPS, or FedEx, can only be canceled for a full refund provided that the customer refuses and does not sign for the delivery. The customer must simply refuse the parcel from UPS, USPS, or FedEx. The 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.