Financing events are available to customers using a Macy's or Macy's American Express card. Offers are subject to eligible departments and merchandise only.
Macy's Special Financing Events
| Pre-Sale Dates | Sales Dates | Event Description | Merchandise Type | Financing Plan | Minimum Purchase Amount |
|---|---|---|---|---|---|
| 9/25/25-10/5/25 | VIP Home Sale | Furniture and Mattresses | 36 Months | Furniture $2,999 Mattresses $2,499 | |
| 9/25/25-10/5/25 | VIP Home Sale | Furniture and Mattresses | 12 Months | $499 | |
| 9/18/25-9/21/25 | Big Ticket- Buy More Save More Event | Furniture and Mattresses | 12 Months | $499 | |
| 8/20/25-8/26/25 | 8/27/25-9/15/25 | Labor Day - Lowest Prices Of The Season | Furniture and Mattresses | 12 Months | $499 |
| 8/20/25-8/26/25 | 8/27/25-9/15/25 | Labor Day - Lowest Prices Of The Season | Furniture and Mattresses | 36 Months | Furniture $2,999 Mattresses $2,499 |
| 7/28/25-8/13/25 | 8/14/25-8/25/25 | Semi-Annual Fine Jewelry Sale | Fine Jewelry and Watches | 12 Months | $499 |
| 7/28/25-8/13/25 | 8/14/25-8/25/25 | Semi-Annual Fine Jewelry Sale | Fine Jewelry and Watches | 18 Months | $999 |
| 6/24/25 - 12/31/25 | Electronics, Fitness Equipment & Third-Party Furniture | Eligible Electronics, Fitness Equipment & Furniture Sold & Shipped by a Third-Party Seller | 12 Months | $499 | |
| Now - 2/1/26 | Fine Jewelry Everyday | Fine Jewelry | 12 Months | $499 | |
| Now - 2/1/26 | Fine Jewelry Everyday | Fine Jewelry | 18 Months | $3,500 |
Financing Options
We offer the option of financing based on the price of your furniture or mattress purchase! The current offers are:
- No interest if paid in full within 12 months* on furniture or mattress purchases of $499 or more with your Macy’s credit card. Interest will be charged to your account from the purchase date if the purchase balance is not paid in full within 12 months. Valid everyday.
During select promotional events, we also offer:
- No interest if paid in full within 18 months* on furniture purchases of $1,499 or more, or mattress purchases of $999 or more, with your Macy’s credit card. Interest will be charged to your account from the purchase date if the purchase balance is not paid in full within 18 months. Valid during select Macy’s events.
- No interest if paid in full within 24 months* on furniture purchases of $2,499 or more, or mattress purchases of $1,999 or more, with your Macy’s credit card. Interest will be charged to your account from the purchase date if the purchase balance is not paid in full within 24 months. Valid during select Macy’s events.
- No interest if paid in full within 36 months* on select furniture purchases of $2,999 or more, or mattress purchases of $2,499 or more, with your Macy’s credit card. Interest will be charged to your account from the purchase date if the purchase balance is not paid in full within 36 months. Valid during select Macy’s events.
To take advantage of financing for furniture or mattress purchases, call 1-800-289-6229 (TTY: 711), or contact a Sales Associate at your nearest store location.
*With credit approval for qualifying purchases made on the Macy’s credit card. Minimum payments required. As of 12/31/2024, purchase APR: variable 16.59% - 33.49% or non-variable 6.00% - 23.99%. Minimum interest charge: up to $2.00. See card agreement for details including the APR applicable to you. Offer valid for consumer accounts in good standing. The suggested monthly payment stated is an estimate based on listed purchase amount divided by the number of months in the promotional period. It excludes sales tax, is rounded to the next highest dollar amount, and does not include additional payments that may be required for an existing balance or future transactions. In order to pay your promotional balance by the end of the period you may have to make a payment each month that is higher than your minimum payment. Payments are credited to your account as described in the terms applicable to your account. For more information about payment allocation, click here.