Account Locations Search Search 100s of Items In-Stock & On Sale Shop Now Special Furniture Financing for Everyone Make your home feel just right and pay over time See if you Prequalify with no impact on your credit bureau score. Use the Gardner White Credit Card to get special financing.1 Already have a card? Manage Your Account Enjoy convenient monthly payments, plus so much more! Simple application process Instant credit decision Greater purchasing power Doesn't tie up other credit lines 24/7 online account management No annual fees2 Exclusive cardholder offers $0 fraud liability See if you Prequalify or Apply Now Take time to pay with Special Financing. No Interest with Equal Monthly Payments for 60 Months.3 On furniture purchases of $699 or more and mattress purchases of $1,499 or more with your NEW Gardner White Credit Card. 10% down payment required on furniture purchases. Apply Now Update your home today and estimate the monthly payments. Calculate Now More Special Financing Options Available!1 The vast majority of Metro-Detroiters qualify for at least one of our three great credit options. Apply online now or click here and a Gardner White Financial Specialist will contact you by phone within 24 hours. Gardner-White Credit Card Less than Perfect Credit No Credit Needed Apply Now See if you prequalify or make a payment. Apply Now Apply Now Special Financing Options1 6 & 12 Mo. Deferred Interest Promotions* 101 Days, Same as Cash** $15,000 $5,000 $5,000 60 Months Financing3 On furniture purchases of $699+ or mattresses purchases of $1,499+. 10% down payment required on furniture purchases. Revolving Credit Up to 18 Months† Frequently Asked Questions What is the Gardner White Credit Card? How do I apply for the Gardner White Credit Card? Where do I check the status of my account? How can I make a payment on my Gardner White Credit Card? 1Subject to credit approval. See offers for details. 2For new accounts: Purchase APR is 29.99%. Minimum interest charge is $2. 3Excludes Clearance purchases. Qualifying furniture category purchase amount must be on one receipt. No interest will be charged, and equal monthly payments are required on promo purchase until it is paid in full. The payments equal the initial total promo purchase amount divided by the number of months in the promo period, rounded up to the next whole dollar. These payments may be higher than the payments that would be required if this purchase was a non-promo purchase. Regular account terms apply to non-promo purchases. New Account APR is 29.99%. Minimum interest charge is $2. Existing cardholders: See your credit card agreement terms. Subject to credit approval. *Deferred Interest: Interest will be charged to your account from the purchase date if the qualifying purchase balance is not paid in full within the promotional period or if you make a late payment. You must pay more than your minimum payment to avoid paying interest. 12 month deferred interest promotion provided, subject to credit approval. See Cardholder Agreement for details. Fortiva Retail Credit accounts are issued by Mid America Bank & Trust Company, Member FDIC, Rolla, MO. **Powered by © American First Finance info@americanfirstfinance.com or 1-855-721-1188 (Toll Free). Every lease with American First Finance offers terms for early buyout (EBO). Discounted lease fees vary based on the date of early payoff. The initial option is “same as cash” if exercised within 101 days. The second option, beginning on the 102nd day, would allow you a 55% discount on the remaining term’s balance. Approval is possible without a FICO score, but American First Finance may check credit history. † Lease term Want a first look at sales and new arrivals? Enter Email Subscribe Facebook Twitter Instagram Pinterest SHOP Furniture Mattress GW Design Studio Clearance Catalogs & Lookbooks Special Financing Account Login COMPANY About Us Charity Partnerships Careers Blog Customer Reviews COVID-19 SUPPORT In-Store Order Lookup Delivery Care & Buying Guides Manage Your Credit Card Furniture Care Protection Best Sleep Guarantee Return Policy Accessibility CONTACT Contact Us Locations & Hours Speak with an Expert Schedule Service Gardner-White Furniture © 2021 All rights reserved. | Privacy Policy Offers