Financing

Jerome's offers 4 different Freedom Financing Plans so you have the freedom to choose the plan that's right for you:



Plan #1: With a purchase of up to $1,000:


6 Months

No Payment

No Finance Charges †

That's freedom to pay as much as you want, anytime, as long as the balance is paid in 6 months.

On approved credit; if not paid in full in 6 months, interest accrues from the date of delivery; APR 21.9%

Plan #2: With a purchase of over $1,000:

12 months

No Payments

No Finance Charges*


That's freedom to pay as much as you want, anytime, as long as the balance is paid in 12 months.


Plan #3: With a purchase of over $2,000:

18 Months

No Finance Charges

Equal Payments**

Make 18 equal monthly payments and pay no interest

.


Plan #4: With a purchase of over $2,500:

No payments

No Finance Charges

for 12 months then minimum
monthly payments up to 36
months, with interest.***

That's freedom to pay as much as you want, anytime in the first 12 months; then make monthly payments with interest up to 36 months. Minimum payments are 1/30 of the remaining balance.

On approved credit. After 12 months, APR 21.9% on remaining balance.






American General Customers:
†6 Months Same As Cash, Payment deferred
Subject to credit approval. Finance charges accrue from the date of the sale unless the Same As Cash plan balance is paid in full prior to the Same As Cash expiration date. Regular credit terms apply after Same As Cash period. Terms subject to change without notice. See agreement for complete information. Annual Percentage Rate: 21.00%. Minimum finance charge: $1.00.
Wells Fargo Customers:
*The Jerome’s Visa® card issued by Wells Fargo Financial National Bank is a dual-line credit card. Special terms of 12 months no payment, no-interest option will apply to purchases charged with approved credit using your Jerome’s Furniture line of credit. No payments are required during the option period. The no-interest option means there is no interest if your purchase is paid in full within 12 months after the date of purchase; otherwise, interest accrues from date of purchase at the APR for purchases using your Jerome’s Furniture line of credit, which is 21.9%. The standard APR for transactions using your Visa line of credit will be 12.90%. If you do not pay the total minimum payment when due, the APR for transactions using your Visa line of credit will be 19.9%. All APRs given are as of April 1, 2008. All APRs may vary. If you use your card for cash advances, the cash advance fee is 3% of the amount of the cash advance, but not less than $10.00.

American General Customers:
*12 Months Same As Cash, Payment deferred
Subject to credit approval. Finance charges accrue from the date of the sale unless the Same As Cash plan balance is paid in full prior to the Same As Cash expiration date. Regular credit terms apply after Same As Cash period. Terms subject to change without notice. See agreement for complete information. Annual Percentage Rate: 21.00%. Minimum finance charge: $1.00
Wells Fargo Customers:
**The Jerome’s Visa® card issued by Wells Fargo Financial National Bank is a dual-line credit card. Special terms of 18 months no interest with equal monthly payments will apply to purchases charged with approved credit to your Jerome’s line of credit. The minimum monthly payment will be the amount that will pay for the purchase in full in equal payments during the 18 month period. The APR for purchases using your Jerome’s line of credit is 21.9%. The standard APR for transactions using your Visa line of credit will be 12.90%. If you do not pay the total minimum payment when due, the APR for transactions using your Visa line of credit will be 19.9%. All APRs given are as of April 1, 2008. All APRs may vary. If you use your card for cash advances, the cash advance fee is 3% of the amount of the cash advance, but not less than $10.00.
American General Customers
**Deferred Finance Charge/Equal Payment
Subject to credit approval. Not all applicants will qualify for these terms. Other terms and rates may be available. During the 18 month period there will be no Finance Charges on the balance of the Special Purchase, but you must pay all fixed payments in full and on time. Finance Charges begin to accrue on the date the special purchase option period ends. Annual Percentage Rate: 21.00%. Minimum finance charge: $1.00. Terms subject to change without notice. See account agreement for complete information.
American General Customers:
***12 Months Deferred Finance Charge/12 Months Deferred Payments
Subject to credit approval. Not all applicants will qualify for these terms. Other terms and rates may be available. During the 12-month period there will be no Finance Charges on the balance of the Special Purchase. No payments are due during the first 12 months of the special option period. Finance Charges begin to accrue on the date the special purchase option period ends. Annual Percentage Rate:21.00%. Minimum finance charge: $1.00. Terms subject to change without notice. See account agreement for complete information.