Raymour & Flanigan Credit Account by Comenity Capital Bank, a Bread Financial Company:

*Minimum payments are required for each Credit Plan. Valid for a single transaction only. If the single transaction has multiple shipments, each shipment may result in a separate Credit Plan, subject to a separate minimum purchase requirement. Not combinable with sale pricing on 72 month financing plans.

**A soft inquiry is used to check your eligibility which will not affect your credit score.

¹Deferred Interest, Payment Required plan: Interest will be charged to your Account from the purchase date if the promotional plan balance is not paid in full within the promotional period. Minimum payments are required for each Credit Plan. Minimum payments are NOT guaranteed to pay the promotional plan balance within the promotional period. You may have to pay more than the minimum payment to avoid accrued interest charges. Valid for a single transaction only. If the single transaction has multiple shipments, each shipment may result in a separate Credit Plan, subject to a separate minimum purchase requirement. As of May 2026, terms for new Accounts: Purchase APR of 34.99%. Variable Penalty APR up to 39.99%, based on Prime Rate. Minimum interest charge of $3 in any billing period in which interest is due. A fee of $2.99 per month may apply for each paper billing statement mailed to you. You can avoid this fee by enrolling in paperless statements. Existing Cardholders: see your credit card agreement for Account terms.

²Deferred Interest, Payment Required plan: Interest will be charged to your Account from the purchase date if the promotional plan balance is not paid in full within the promotional period. Minimum payments are required for each Credit Plan. Minimum payments are NOT guaranteed to pay the promotional plan balance within the promotional period. You may have to pay more than the minimum payment to avoid accrued interest charges. Valid for a single transaction only. If the single transaction has multiple shipments, each shipment may result in a separate Credit Plan, subject to a separate minimum purchase requirement. Not combinable with sale pricing. As of May 2026, terms for new Accounts: Purchase APR of 34.99%. Variable Penalty APR up to 39.99%, based on Prime Rate. Minimum interest charge of $3 in any billing period in which interest is due. A fee of $2.99 per month may apply for each paper billing statement mailed to you. You can avoid this fee by enrolling in paperless statements. Existing Cardholders: see your credit card agreement for Account terms.

³Zero Interest, Equal Payment plan. Minimum payments are required for each Credit Plan. Valid for a single transaction only. If the single transaction has multiple shipments, each shipment may result in a separate Credit Plan, subject to a separate minimum purchase requirement. Not combinable with sale pricing. As of May 2026, terms for new Accounts: Purchase APR of 34.99%. Variable Penalty APR up to 39.99%, based on Prime Rate. Minimum interest charge of $3 in any billing period in which interest is due. A fee of $2.99 per month may apply for each paper billing statement mailed to you. You can avoid this fee by enrolling in paperless statements. Existing Cardholders: see your credit card agreement for Account terms.

⁴Suggested Payment Details: The suggested monthly payment requires placing your purchase on a promotional credit plan with equal monthly payments. The following assumptions were made regarding the suggested monthly payment: it equals the purchase amount (excluding taxes and shipping costs) divided by the number of months in the promotional period, rounded up to the nearest dollar; you make 72 equal payments during the promotional period; and you make all payments on time.

Promotional Credit Plan Details: No Interest, Equal Payment. No Interest for 72 months. On bedding purchase of of $1,049 made (in-store only) for 72 months with your Raymour & Flanigan Credit Account. Interest will be charged to your Account from the end of the promotional period on any remaining promotional plan balance. Minimum payments are required for each Credit Plan. Valid for single transaction only. If the single transaction has multiple shipments, each shipment may result in a separate Credit Plan, subject to a separate minimum purchase requirement. Not combinable with sale pricing. As of May 2026, terms for new Accounts: Purchase APR of 34.99%. Variable Penalty APR up to 39.99%, based on Prime Rate. Minimum interest charge of $3 in any billing period in which interest is due. A fee of $2.99 per month may apply for each paper billing statement mailed to you. You can avoid this fee by enrolling in paperless statements. Existing Cardholders: see your credit card agreement for Account terms.

Credit account offers are subject to credit approval.

Raymour & Flanigan Credit Accounts are issued by Comenity Capital Bank, a Bread Financial® company.

Q&A with Kate Austin