Payment Options
Financing & Leasing
Gavigan's offers two ways to pay over time: Wells Fargo Financing — the Gavigan's credit card, a revolving line of store credit issued by Wells Fargo on approved credit — and Snap Finance, which requires no credit and is available for purchases delivered to Maryland. We aim for 100% credit approval to make furniture affordable for every family. Use either on furniture, mattresses, delivery, and protection plans, whether you're furnishing a home in Bel Air, Frederick, Glen Burnie, Catonsville, Towson, or Westminster. Apply online before you shop, or apply at any showroom and get an answer before you check out. Some offers cannot be combined — check with a sales associate.
Two Options
Wells Fargo Financing and Snap Finance
Wells Fargo Financing
The Gavigan's credit card, issued by Wells Fargo on approved credit. A revolving line of store credit that lets you pay over time and use the same account for future purchases. Apply online or at any showroom.
Snap Finance — no credit needed
Snap Finance requires no credit and is available for purchases delivered to Maryland. Apply online at snapfinance.com/apply or with an associate in the showroom.
We aim for 100% credit approval to make furniture affordable for every family. Some offers cannot be combined — check with a sales associate.
Program
The Gavigan's credit card
A revolving line of store credit
Issued by Wells Fargo, on approved credit, the Gavigan's credit card is a revolving account you can use for this purchase and future ones — a sofa today, a mattress next year — without reapplying each time.
Promotional terms on qualifying orders
Qualifying orders may be eligible for promotional terms. Ask an associate which offers are running when you shop; terms are set by Wells Fargo and are subject to credit approval.
Covers the whole order
Approved credit can typically be applied to your full order, including delivery charges and ServeCo protection plans, not just the furniture.
Apply before or during your visit
Start an application online ahead of time, or apply with an associate in any of our six Maryland showrooms and get an answer before checkout.
Eligibility
How approval works
Applications for the Gavigan's credit card are reviewed and approved by Wells Fargo, on approved credit. Approval amounts, rates, and terms depend on your application rather than on anything Gavigan's sets, so the same process applies whether you're shopping our Westminster showroom or ordering for delivery anywhere in central Maryland.
Because the account is revolving rather than a one-time loan, it stays open after your first purchase. Customers commonly furnish a living room first and come back for a mattress or dining set later using the same account, without starting a new application each time.
Whatever you're approved for can be applied across the full order — furniture, mattresses, delivery, and a ServeCo protection plan — so the entire purchase sits on one balance instead of being split across payment methods.
Apply
Apply online or at any showroom
Start an application online before you shop, or apply with an associate during your showroom visit and get an answer before you check out. Either way you'll know your available credit before you commit to a delivery date.
If you'd rather have someone walk you through it in person, book a store appointment at Bel Air, Catonsville, Frederick, Glen Burnie, Towson, or Westminster and an associate will have your selections and your application ready in one visit.
Answers
Frequently Asked Questions
What financing options does Gavigan's offer?
Two. Wells Fargo Financing — the Gavigan's credit card, a revolving line of store credit issued by Wells Fargo on approved credit that lets you pay over time — and Snap Finance, which requires no credit and is available for purchases delivered to Maryland. We aim for 100% credit approval to make furniture affordable for every family.
Can I get furniture financing with no credit?
Yes. Snap Finance requires no credit and is available for purchases delivered to Maryland. You can apply online at snapfinance.com/apply or with an associate at any showroom.
Can I apply for financing before I visit a showroom?
Yes — apply online for either option, or apply with an associate at any of our Maryland showrooms, including Catonsville, Frederick, and Towson, and get an answer before you check out.
Is there a minimum credit score required?
Wells Fargo approval is decided by the lender, not by Gavigan's, and there is no score cutoff we publish. Snap Finance requires no credit at all, which is why we aim for 100% credit approval across the two programs.
Can financing offers be combined with promotions?
Some offers cannot be combined — please check with a sales associate before you order so we can apply the best available terms to your purchase.
Does financing cover delivery and protection plans too?
Yes, approved financing can typically be applied to your full order, including delivery charges and protection plans through ServeCo, not just the furniture itself.
See it, sit on it, feel the difference.
Visit one of our six Maryland showrooms, or book a one-on-one appointment with a design associate.