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Royal Furniture Bill Pay: Your Complete Guide to Easy Payment Options

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Are you tired of driving to the store just to make your furniture payment? I totally get it! As someone who’s been there, I wanted to create this handy guide to Royal Furniture’s bill pay options. Whether you’ve just bought that gorgeous sectional or you’re making monthly payments on your dream bedroom set, knowing how to handle your bill payments can save you tons of time and headaches.

The 4 Simple Ways to Pay Your Royal Furniture Bill

Royal Furniture makes paying your bill super convenient with four different payment methods

  1. Online Payment – The quickest and easiest option at payments.royalfurniture.com
  2. In-Person Payment – Visit any Royal Furniture store location
  3. Phone Payment – Call (901) 527-2099
  4. Mail Payment – Send a check to Royal Furniture Company, P.O. Box 171307, Memphis, TN 38187-0951

I personally prefer the online option because I can make payments anytime, even at 2 AM in my pajamas!

Setting Up Online Bill Pay: What You’ll Need

If you’re like me and prefer handling everything online, you’ll need to register for Royal Furniture’s online bill pay system Here’s what you need to have ready

  • Your Royal Furniture Account Number
  • A valid email address
  • Your cell phone number
  • Last 4 digits of the account holder’s Social Security Number

Can’t find your account number? No worries! It should be on your welcome email or a recent payment receipt. If you’re still stuck, just email [email protected] or contact the store where you made your purchase.

Important FAQs About Royal Furniture Financing

Is Royal Financing the Same as Rent-To-Own?

Nope! This is a common misconception I hear all the time. Royal Furniture Financing is actually an in-house credit line, which has several advantages over typical rent-to-own programs:

  • It’s generally less expensive than rent-to-own options
  • You get the lowest sale price when financing (most competitors make you choose between financing OR sale price)
  • On-time payments are reported to credit bureaus, helping improve your credit score
  • You’ll actually own your furniture!

Why Can’t I Get My Furniture Same-Day with Financing?

This one tripped me up too when I first bought with Royal! Purchases made with Royal Credit may take up to 5 business days for processing before delivery or pickup can be scheduled This processing time includes contacting references and confirming your proof of income

If you’re not sure if your application is processed and ready for delivery, just contact your sales associate to check.

Do I Still Need to Make Payments if My Furniture is Backordered?

Yes! This is super important to understand. Your payment schedule isn’t connected to when you receive your furniture. You must make payments as scheduled regardless of delivery status.

In some cases, the store manager might authorize postponing your first payment if there’s a delay, but this needs to be arranged BEFORE your first payment is due. Missing payments will result in late fees and could hurt your credit score.

Can I Skip Payments if My Furniture Arrives Damaged?

Absolutely not! We all hate getting damaged merchandise, but withholding payment isn’t the solution. You still need to pay on time regardless of the condition of your furniture.

The warranty department can help with repairs or exchanges, but they can’t schedule service on accounts that aren’t current. If you don’t pay because of damaged merchandise, you’ll face late fees AND delay getting your furniture fixed. Talk about a lose-lose situation!

Can I Transfer My Contract to Someone Else?

Nope – financing contracts can’t be transferred. If you sell your furniture, the payment responsibility stays with you (the original account holder).

Payment Insurance: Is It Worth It?

Royal Furniture offers four types of payment insurance for eligible customers:

  • Property Insurance
  • Life Insurance
  • AD&D Insurance
  • Involuntary Unemployment Insurance

These policies are designed to protect you if something unexpected happens. For example, if your house burns down and destroys your new sofa, property insurance would pay off your Royal financing contract.

These policies are underwritten by Life of the South and Lyndon Southern Financial. You’ll want to chat with your sales associate about the coverage details to find what’s right for you.

Adding New Purchases to Your Existing Account

Good news! You can often add new purchases to your existing financing account. The credit department will review your account and may authorize additional credit based on:

  • Your current balance
  • Your monthly payment to income ratio
  • Other financial variables

Just talk to your sales associate to request an increased line of credit (subject to approval, and a down payment might be required).

Important Policies About Royal Credit Accounts

Delivery Appointments

As I mentioned earlier, purchases made with Royal Credit can take up to 5 business days to process before delivery can be scheduled. Even if you requested a specific delivery date on your purchase ticket, it’s not guaranteed until your application is fully processed.

Merchandise Availability

This is really important to understand: payment due dates don’t depend on when your furniture arrives. You need to make payments according to the original schedule regardless of merchandise availability.

Royal doesn’t guarantee availability of purchased merchandise at your request. For layaway orders, backorders, or if you’ve deferred delivery due to renovations or moving, inventory status can change. Royal may postpone delivery until items are back in stock.

If your item becomes discontinued and Royal can’t fulfill your order, they’ll either:

  • Issue a refund for the missing portion of your purchase, or
  • Authorize a reselection in the form of store credit equal to the purchase price plus sales tax

Late Charges

Royal Furniture accounts have a 15-day grace period from the payment due date. But watch out – payments posted after 3PM on the fifteenth day will incur late charges!

Refunds

For returns that meet Royal’s return policy, refunds are typically issued to the original form of payment. If you made a down payment on your Royal credit account with a credit or debit card, that amount can be refunded to your card.

For cash or check down payments, processing may take seven business days. Refund checks might be available in-store or mailed to your home address.

For financed purchases with no down payment, the financing contract will simply be cancelled. Refunds are only issued once all merchandise is returned to Royal in original condition.

My Personal Experience with Royal Furniture Bill Pay

When I first bought my living room set from Royal, I was a bit confused about the payment process. I thought I’d share my experience to help others navigate the system more easily.

I chose to register for online payments because it’s the most convenient option for my busy schedule. Finding my account number was a bit tricky at first, but I eventually located it on my welcome email. The registration process was straightforward, and I was able to set up automatic monthly payments.

One thing I wish I’d known earlier is that payments posted after 3PM on the due date might not be processed until the next business day, which could result in late fees. Now I always make my payments a couple days early just to be safe!

Tips for Managing Your Royal Furniture Payments

  1. Set up calendar reminders for your payment due dates
  2. Consider automatic payments if you’re worried about forgetting
  3. Keep your contact information updated so you receive payment notifications
  4. Save your account login information somewhere secure
  5. Review your statement monthly to ensure everything looks correct

Royal Furniture Locations for In-Person Payments

If you prefer making payments in person, Royal Furniture has many locations across the South. Some of their stores include:

  • Memphis, TN (including Warehouse and Outlet locations)
  • Cordova
  • Winchester Rd
  • Summer
  • Whitehaven
  • Lamar
  • Jackson
  • Southaven, MS
  • Birmingham area (including Trussville and Hoover)
  • Tuscaloosa, AL
  • Montgomery Eastchase, AL
  • And many more!

Need Help with Your Royal Furniture Bill?

If you have questions about your account, you can contact the collections department at 901-579-2370.

For general billing questions, email [email protected] or contact your purchase location directly.

Final Thoughts on Royal Furniture Bill Pay

Managing your Royal Furniture payments doesn’t have to be complicated. With four convenient payment options and a straightforward online bill pay system, you can focus on enjoying your new furniture instead of stressing about payments.

Remember, making on-time payments not only helps you avoid late fees, but also helps build your credit score when you finance through Royal’s in-house credit. It’s a win-win!

Have you used Royal Furniture’s online bill pay system? I’d love to hear about your experience in the comments below!

royal furniture bill pay

Cancellation & Return Policies

Order Cancellation Most standard orders may be cancelled for a full refund within a defined timeframe prior to customer receipt of the merchandise, some exclusions apply. Please [email protected] to request cancellation of online orders. Special Order merchandise is excluded from our standard cancellation policy. Will-Call Pickups may be cancelled at any time prior to customer taking possession of the merchandise. Scheduled White-Glove deliveries may be cancelled at least 48 hours in advance of the first confirmed appointment. If cancelled within this time frame, the delivery fee is eligible for refund. Delivery fees are nonrefundable once a confirmed delivery has been attempted. If an order is cancelled after the aforementioned time frames, an $159.99 handling fee will be charged. Special orders must be cancelled within 24 hours of purchase in order to be eligible for a full refund. Please call your purchase location or 901-346-1446 to cancel.

Returns & Exchanges Royal Furniture may authorize returns or exchanges on eligible merchandise within 3 days of pickup or white-glove delivery. Please call customer service to inquire about return or exchange within three business days of your delivery or will-call pickup. Attempted returns and exchanges exceeding three days of possession will not be authorized. Special Order merchandise is not eligible for return. Additional exclusions apply, see policies for details. Eligible merchandise obtained at will-call pickup is subject to Royal Furniture’s standard return policy but must be transported in original condition back to the pick-up location within three business days. Please call customer service for arrangements regarding merchandise return. Royal Furniture will not make in-home appointments for pick up or exchange of will-call merchandise.

Exclusions to Standard Return Policy: (A) Bedding Merchandise including mattresses, pillows and mattress protectors are excluded from Royal Furniture’s standard refund and exchange policy and are not eligible for exchange, reselection or refund. These sales are final once the merchandise has been received by the customer. (B) Special orders are excluded from Royal Furniture’s standard cancellation and return policy. Special orders must be cancelled within 48 hours of purchase in order to be eligible for a full refund. Please call your purchase location or for online orders email [email protected] to cancel. In the rare event that Royal Furniture approves a request for cancellation of special order merchandise after the 48-hour cancellation period but before receipt of the merchandise, the customer will incur a 20% restocking fee. Special Order merchandise is not eligible for return or exchange. (C) Purchases delivered outside Royal’s standard operating area are excluded from the standard return policy. Requests may be made for return or exchange within three days of taking possession of the merchandise, and will require written consent and shipping instructions from Royal Furniture to proceed if authorized. Original shipping fees are nonrefundable. If accepted for return, a 20% restocking fee will be charged and the customer may be responsible for return shipping costs. Unauthorized returns made to Royal Furniture will be returned to the customer freight-collect. (D) Items purchased online do not qualify for Return if a) The customer received delivery of an item(s) with a finish, color or texture that is different from what the customer saw at the Royal Furniture website, any website other than Royal Furniture, at a physical furniture store, or recommendations received from a furniture sales representative. Finishes and colors online may not accurately represent the true color or pattern. b) Closeout, Clearance, discontinued, and surplus merchandise may not be returned. c) Bedding and linens are also non-refundable and cannot be exchanged. (E) Value-Added items when included with a purchase may impact or void our standard return policy. Promotional items presented as value-added with qualifying purchase are not eligible for exchange, cash value or store credit. Merchandise purchased as part of a promotional package will only be considered for return or exchange when the entirety of the promotional package is eligible for return, and received in original condition and original packaging if applicable. Omission of any part of a packaged purchase may result in denial of the return or a partial refund. Free Mattress promotions with purchase of qualifying bedrooms include a mattress model determined by Royal Furniture with the purchase of specified bedroom items. If any portion of the qualifying purchase is returned, the promotion eligibility is no longer met and the customer will be subject to a fee at Royal Furniture’s discretion to account for the value-added mattress which is not eligible for return or exchange per Royal Furniture’s standard return policy as it pertains to bedding merchandise.

Exchanges, Reselection and Store Credit For authorized exchanges or reselections, Royal Furniture will issue a store credit in the amount of the returned merchandise purchase price including sales tax. A 20% restocking fee may be applied. The return item must be returned to Royal Furniture’s possession in original condition before a store credit can be issued. Exchanges or in-store credit must be used within 30 days of issue at the original purchase location, unless otherwise instructed by customer service or a store manager.

Purchased Merchandise Individual product units are not assigned to any purchase order until the customer physically takes possession of the merchandise. Royal Furniture does not guarantee availability of purchased merchandise at the customer’s request. In certain circumstances including but not limited to an order being placed and purchased but delivery or will-call pickup being deferred due to home renovations, relocation, etc., the inventory status of the purchased item or items is subject to change. Royal Furniture may postpone delivery or will-call availability of the item or items until they are back in stock. In the event that the purchased item has become discontinued and Royal Furniture can no longer fill the order, Royal Furniture will issue the customer a refund for the missing portion of his or her purchase, or authorize a reselection in the form of store credit for the equal value (purchase price plus sales tax) of the discontinued merchandise.

Layaway Merchandise Individual product units are not assigned to any purchase order until the customer physically takes possession of the merchandise. Royal Furniture does not guarantee availability of layaway merchandise at the customer’s request. In certain circumstances, merchandise purchased on a layaway program may be impacted by changes in inventory status. Royal Furniture may postpone delivery or will-call availability of the item or items until they are back in stock. In the event that an item or items being purchased on layaway have become permanently unavailable or discontinued and Royal Furniture can no longer fill the order, Royal Furniture will issue the customer a refund for the missing portion of his or her purchase, or authorize a reselection in the form of store credit for the equal value (purchase price plus sales tax) of the discontinued merchandise. If payments have been made toward the layaway purchase but are not yet complete, the refund or store credit amount will not exceed the amount that has been paid toward the merchandise by the customer.

Back-Ordered Merchandise Please see Purchased Merchandise policy above. When merchandise is back-ordered or delayed beyond the customer’s expectation, he or she may elect to cancel the order for a refund, or request store credit for the value of the unfilled order to reselect different merchandise. Any merchandise on the same purchase ticket that has already been received will be subject to our standard return policy. If white-glove delivery is purchased and some of the merchandise is on back-order, Royal Furniture may arrange at their discretion to make a partial delivery of the items that are immediately available. When a partial delivery is made, Royal Furniture will complete a courtesy delivery of the back-ordered items once they become available and the customer will not incur a second delivery charge. In the event that the customer receives a partial delivery but cancels the back-ordered items, the received items are subject to standard return policy and the delivery fee will be nonrefundable. If an order is impacted by back-ordered merchandise and no part of the order is delivered or received, the customer is eligible for a full refund upon cancellation of the complete order.

Cancelled or Missed Delivery Appointments If you need to cancel or reschedule your appointment, Royal Furniture requests 48 hours’ notice in order to properly pack and re-route our trucks. On the day of delivery, our drivers typically call ahead (to the number listed on the order) an estimated 15-30 minutes before their arrival, and are permitted to wait for up to 15 minutes at the customer residence if the customer cannot be reached. If the delivery team is still unable to reach the customer or gain access to the property with someone present 18 years or older, the delivery is considered a Not-At-Home and will be flagged for reschedule on the next available delivery date. Please note, the next available date may not be the next consecutive day, and may be further delayed by seasonal influxes or holidays. Our delivery team will attempt two confirmed delivery appointments to a customer location, if both attempts are unsuccessful due to customer Not-At-Home then the delivery fee is forfeited by the customer and the merchandise will be made available for customer pick-up at our Memphis warehouse, or at the regional will-call location nearest the customer. (Please see will-call policies and call ahead one hour prior to pick up.) If the customer wishes to attempt a third delivery appointment, Royal will charge either a 20% handling fee, or a new delivery fee (whichever is lesser and therefore in the customer’s favor) and the regular scheduling procedure will ensue, as outlined above.

Delivery Waiver: If Royal’s delivery team attempts delivery and discovers that any purchased item does not fit into the space requested by the customer, or does not fit through doors, windows or passage ways necessary to move the furniture into the space requested, a delivery waiver will be required if the customer wishes for the delivery to be completed against our team’s recommendation. The waiver states that Royal Furniture is completing the delivery at the customer’s explicit instruction and clears Royal Furniture Company and crew from liability for any damages caused. This includes any perceived damages to home, furniture or other belongings. Royal Furniture is not liable for the inability to deliver furniture due to size or space restrictions in, or leading into the customer’s home. Should the delivery be aborted or refused due to space concerns, the customer can exchange or return the furniture for refund but may be subject to a 20% restocking fee. Delivery fees are nonrefundable.

Damages Merchandise is thoroughly inspected by our warehouse prior to delivery and is released to delivery teams in good condition. Royal Furniture requires that someone 18 years or older is home at the time of delivery, and is authorized to sign for the receipt and good condition of the items purchased. Customers reserve the right to refuse delivery of any item due to damages caused in transit. Damaged furniture refused at time of delivery will not be subjected to a restocking fee, nor additional delivery charge for replacement. Customers also may opt to accept delivery of the damaged furniture until an even exchange can be made by our delivery team. However, damages of any nature should be clearly recorded on the delivery ticket before the crew leaves the premises so that photos can be documented for claim records. Photos and other documentation made by our crew does not imply nor admit fault, but is strictly for review by our claims department. In the rare event that damages are realized after the delivery team’s departure, the damage must be reported to Royal Furniture Customer Care 901-579-2328 or [email protected] within 3 business days. Royal Furniture is not responsible for any damages reported outside of this time frame and such instances will not be considered for any type of compensation including repair, replacement, refund, discount, reimbursement or settlement.

Customer must have the pink copy of their Royal Contract or Online Purchase receipt and a valid government identification in order to take possession of purchased merchandise. Our experienced staff will help load your items and have twine available to secure them. Please note that with free Will-Call pickup, the customer is responsible for any required assembly of the merchandise. Delivery is available for purchase in select areas. Will-Call merchandise must be thoroughly inspected by the customer prior to loading into the vehicle. A signature is required by the customer or eligible representative of the customer to complete the will-call pickup and confirms that the merchandise was received to completion and in good condition. Though our staff is available to help with the loading process, it is the customer’s responsibility to properly load and secure will-call merchandise onto their vehicle. Once the merchandise leaves the warehouse, it is in the sole care of the customer or customer’s representative. Royal Furniture is not liable for damages or loss in transit.

Service and Warranty In rare cases when parts or hardware are discovered to be missing after leaving the Will-Call pickup location, or prior damages are found to have penetrated the protective packaging of boxed items picked up from Will-Call pickup location, these missing parts or damages must be reported within 3 business days of the pick-up by calling Royal Furniture Customer Service 901-346-1446 or emailing [email protected]. The customer is responsible for returning to the pick-up location to exchange the damaged items or obtain the missing parts. Royal Furniture will not make home deliveries to replace, repair or service merchandise nor supply missing or damaged parts for a Will-Call pickup. Should a customer file a warranty claim on merchandise that has been picked up at a Will-Call location, an assessment may be conducted at the customer’s home by a third-party repair company at the warranty department’s discretion. If it is determined that the damage is indeed covered by the manufacturer’s warranty, repairs will be made in accordance with the manufacturer’s warranty guidelines. If the damage is covered under the warranty but is beyond repair and therefore eligible for exchange or reselection, the customer is responsible for transporting the damaged merchandise back to their Will-Call pickup location and obtaining their new merchandise. If the customer would prefer home delivery, Royal Furniture’s Delivery service is available for a fee of $159.99 within our standard service area, and will include delivery and installation of the customer’s replacement merchandise to the exact room of their choosing, as well as removal of the damaged merchandise in the same visit. Customers outside our standard service area may be eligible to purchase delivery service for an increased fee. Please see our Delivery policies for additional information, or contact your sales associate for more details.

Warranty Most special-order merchandise will include a standard manufacturer limited warranty. Customers also have the option to buy an extended warranty for an additional fee at the time of purchase. Please see warranty policies for a complete understanding of coverage details and restrictions.

Down Payment Special Orders purchased with financing will be subject to a twenty percent down-payment. The down-payment is nonrefundable if order is cancelled after the 24-hour cancellation period.

Cancellation Special orders may be cancelled for a full refund within 24 hours of purchase. Please call your purchase location or 901-348-9184 to cancel. In the rare event that Royal Furniture approves a request for cancellation of special order merchandise after the 24-hour cancellation period but before receipt of the merchandise, the customer will incur a 20% restocking fee or forfeit their twenty percent down-payment if financed.

Returns Special Orders are excluded from Royal Furniture’s standard refund and exchange policy. Special Orders are not eligible for return or exchange.

Standard Warranty Royal is proud of the quality we offer our customers. However, if there is a problem, the manufacturer typically covers its product for one year from the date of purchase. To request service on damaged or defective merchandise, please contact the customer service department for your location. Royal Furniture warrants to the original purchaser that merchandise will be free from defects in materials and workmanship under normal use for a period of one (1) year following the date of original delivery or pick-up. Damage must be reported within five (5) days of occurrence at the original delivery address to be considered eligible under the warranty guidelines. If Royal Furniture determines that merchandise is defective under manufacture guidelines, Royal Furniture will repair or replace, at its discretion, the affected item only (not the set, suite or collection). If the affected item cannot be repaired or replaced, as determined by the manufacture guidelines, Royal Furniture may issue the reselection of a new item of equal or lesser value to the original purchase price of the defective item. Furniture rated for residential use has a warranty for residential use only. If Royal determines that damage is due to customer abuse, the warranty is nullified. For warranties to apply, all accounts with Royal Furniture must be current to receive service. Items requiring service may be scheduled and repaired by a third party.

Extended Warranty Extended Warranties are offered through third-party companies which provide supplemental coverage outside of the items manufacturer warranty. Refer to your service agreement for specific coverage and exclusions. For extended warranty claims, Royal Furniture will strictly adhere to the coverage policies and guidelines of the third-party extended warranty provider.

Royal Furniture Billing Department

To make a payment or for questions regarding purchases financed on a Royal Furniture Credit Account

Phone: 901-527-2099
Online: pay.royalfurniture.com
Hours: Monday – Saturday 9:00 a.m. to 6:00 p.m.

For purchases financed through our third-party lending partners Synchrony and Wells Fargo, please see your service agreement for billing and contact information.

We appreciate the opportunity to serve each of our valued customers. For most questions regarding your purchase, you may contact the sales team at your purchase location.

We hope that you have had a great experience with Royal Furniture but should you need further assistance, we have a dedicated customer care representative available to help.

Phone: (901)579-2328
Email: [email protected]
Hours: Monday – Friday 9:00 a.m. to 6:00 p.m.

As a helpful resource for our customers, weve included our policies all in one place. If you have any questions about Royal Furnitures policies and service terms, your sales associate will be happy to help. You may also email [email protected] with additional questions.

Pay A Bill Online

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