What To Expect

⭐ What to Expect During & After the Financing Process

S&M Furniture Inc — DecorationPath.com (Online Division)

At S&M Furniture Inc, we’re committed to making the financing experience simple and transparent, whether you shop online or in-store. Below is a clear overview of what you can expect throughout the financing process.

✅ During the Financing Process

1. Choose Your Furniture

Shop whichever way works best for you:

  • Browse our full catalog online at DecorationPath.com, or

  • Visit S&M Furniture Inc in-store to see products in person.

At checkout, you may choose between:

  • S&M Furniture In-House Financing, or

  • Third-Party Financing Options (if available on DecorationPath.com)

2. Complete a Quick Application

Third-Party Financing

  • You’ll be redirected to the third-party partner’s secure application page.

  • After completing their application, you’ll be returned to DecorationPath.com to finish checkout.

In-House Financing (S&M Furniture Inc)

  • A credit check may be used as part of the evaluation.

  • Approval is based on a combination of:

    • Creditworthiness

    • Employment stability

    • Income

    • Internal S&M Furniture Inc guidelines

  • A representative will guide you through verification and the final steps required to complete your order.

3. Decision Within 24 Hours

Most financing applications—whether in-house or through a third party—receive a decision within 24 hours.

4. Selecting & Finalizing Your Financing Terms

Third-Party Financing

  • You select your plan and finalize your agreement directly with the third-party provider.

  • After approval, you return to our website to complete your order.

In-House Financing

  • No Pay in 4 options are available for in-house financing.

  • Terms are determined directly by S&M Furniture Inc.

  • A representative will walk you through your agreement before completing your order.

5. Completing Checkout

  • Third-Party Financing: Checkout is completed online once you’re approved.

  • In-House Financing: Checkout and verification are completed with assistance from an S&M Furniture representative.

⭐ After the Financing Process

1. Order Processing Begins

Once your financing is approved and the checkout process is complete, we begin:

  • Confirming item availability

  • Processing your order

  • Scheduling delivery or shipment

You’ll receive an order confirmation by email.

2. Payments & Billing

If You Used Third-Party Financing

  • All payments are made directly to the third-party financing provider.

  • S&M Furniture Inc does not process or manage payments for these orders.

If You Used S&M Furniture In-House Financing

  • All payments will be made directly to S&M Furniture Inc via an invoice.

  • Payments may be submitted:

    • Online (via invoice)

    • In-store

    • By mail

      • Please consider possible mail delays and send payments early to avoid late arrivals.

  • Until our new customer payment portal launches on 01/10/2026, all in-house payments will continue to be managed through invoices and the payment options above.

3. Managing Your Account

Your financing representative can assist with:

  • Account status

  • Payment questions

  • Updating information

  • Contract details

Instructions for using our new portal will be provided once it goes live in January 2026.

4. Support & Assistance

📦 Product or Sales Questions

Email: sales@smfurnitureinc.com

💳 Financing, Payments, or Account Questions

Email: finance@smfurnitureinc.com

We’re here to support you throughout the entire purchasing and financing process.