Financing

financing options

BUY TODAY, PAY OVER TIME
with your JCPenney Credit Card!

No interest if paid in full within 12 months1

On qualifying in-store flooring purchases made with a JCPenney Credit Card. Interest will be charged to your account from the purchase date if, the promotional purchase is not paid in full within 12 months. Minimum monthly payments required. Must request at time of purchase. Limited time only.

9.99% APR FOR 4 YEARS2

On qualifying in-store flooring purchases made on a JCPenney Credit Card. Fixed monthly payments required for 48 months. Must request at time of purchase. Limited time only.

1NO INTEREST IF PAID IN FULL WITHIN 12 MONTHS. Offer applies to qualifying in-store flooring purchases on either a JCPenney Credit Card account or a JCPenney MasterCard account (excludes outlet store purchases). Under the promotion, no interest will be assessed on the promotional purchase if you pay the promotional purchase amount in full within 12 months. If you do not, interest will be assessed on the promotional purchase from the date of the purchase. 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 purchase APR is 26.99%. 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.

2Offer applies to qualifying flooring purchases on either a JCPenney Credit Card account or a JCPenney MasterCard account. Interest will be charged on promotional purchases from the purchase date at reduced 9.99% APR and fixed monthly payments are required equal to 2.5358% of initial promotional purchase amount until promotion is paid in full. The fixed monthly payment will be rounded up 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. Regular account terms apply to non-promotional purchases. For new accounts: Standard purchase APR is 26.99%. 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.