Furniture and Mattress Promotional Financing

18* OR 48** MONTHS special financing

On qualifying furniture & mattress purchases (after discounts) made through 9/29/19 on a JCPenney Credit Card.

Contact your local store for additional promotional financing offers that may be available.



*NO INTEREST IF PAID IN FULL WITHIN 18 MONTHS. Must request at time of purchase. Offer applies to qualifying furniture and mattress purchases of $499 or more after discounts to receive 18‑month financing made through 9/29/19 on either a JCPenney Credit Card account or a JCPenney Mastercard account (excludes outlet store purchases, Puerto Rico store purchases and baby furniture). Interest will be charged to your account from the purchase date if the promotional purchases are not paid in full within 18 months. Minimum monthly payments required. Discounts or other promotional offers that reduce the purchase amount may result in the minimum qualifying purchase amount requirement not being satisfied. Under the promotion, no interest will be assessed on the promotional purchase if you pay the promotional purchase amount in full within 18 months. If you do not, interest will be assessed on the promotional purchase from the date of the purchase. Depending on purchase amount, promotion length, and payment allocation, the required minimum monthly payments may or may not pay off purchase by end of promotional period. Making required minimum monthly payments may not pay off purchase by end of promotional period. Regular account terms apply to non-promotional purchases and, after promotion ends, to promotional purchases. For new JCPenney Credit Card accounts: Standard variable purchase APR is 28.24%. The APR is accurate as of 1/1/19 and will vary with the market based on the Prime Rate (as defined in your credit card agreement). Minimum interest charge will be no less than $2.00. Existing cardholders should see their credit card agreement for their applicable terms. Promotional purchases of delayed delivery merchandise will be charged to account when merchandise is available for delivery. Subject to credit approval.

**NO INTEREST FOR 48 MONTHS. Must request at time of purchase. Offer applies to qualifying furniture and mattress purchases of $1499 or more after discounts to receive 48‑month financing made through 9/29/19 on either a JCPenney Credit Card account or a JCPenney Mastercard account (excludes outlet store purchases, Puerto Rico store purchases and baby furniture). Equal monthly payments required for 48 months. Discounts or other promotional offers that reduce the purchase amount may result in the minimum qualifying purchase amount requirement not being satisfied. No interest will be charged on promotional purchase and equal monthly payments are required equal to initial promotional purchase amount divided equally by the number of months in promotional period until promotion is paid in full. The equal monthly payment will be rounded to the next highest whole dollar and may be higher than the minimum payment that would be required if the purchase was a non-promotional purchase. Depending on purchase amount, promotion length, and payment allocation, the required minimum monthly payments may or may not pay off purchase by end of promotional period. Regular account terms apply to non-promotional purchases. For new accounts: Standard variable purchase APR is 28.24%. The APR is accurate as of 1/1/19 and will vary with the market based on the Prime Rate (as defined in your credit card agreement). Minimum interest charge will be no less than $2.00. Existing cardholders should see their credit card agreement for their applicable terms. Promotional purchases of delayed delivery merchandise will be charged to account when merchandise is available for delivery. Subject to credit approval.