Where to send your Raymour & Flanigan payment
Raymour & Flanigan accepts payments through their website, by phone, by mail, or in person at a store. The method you choose depends on how quickly you need the payment to post and whether you want to keep a record of the transaction.
The fastest way is usually their website. Log into your account at raymourstore.com, select your account, and follow the payment instructions. You can pay with a debit card, credit card, or bank account. Payments made online before 5 p.m. Eastern time typically post the same business day.
If you prefer to call, the customer service number is on your bill or statement. A representative can take your payment over the phone using a debit card, credit card, or bank account information. Have your account number ready when you call.
Key Takeaways
- Online payments through raymourstore.com post the same business day if submitted before 5 p.m. Eastern time.
- Phone payments can be made by calling the number on your bill, and you will need your account number and a debit or credit card.
- Mail payments should be sent to the address printed on your statement, and allow 7 to 10 business days for the payment to post.
- In-store payments can be made at any Raymour & Flanigan location during business hours with cash, debit card, or credit card.
- Late fees and interest charges apply if your payment is not received by the due date shown on your bill.
Paying by mail
The mailing address for payments is printed on your bill or statement. Write your account number on the check or money order and mail it to that address. Do not send cash through the mail.
Mail payments take 7 to 10 business days to arrive and post to your account. If your due date is coming up soon, mail is not the fastest option. Keep a copy of the check or a photo of the money order for your records.
Paying in person at a store
You can walk into any Raymour & Flanigan location and make a payment at the customer service desk. Bring your account number and a form of payment — cash, debit card, or credit card are all accepted. The payment posts immediately.
Store hours vary by location. If you are not sure whether a store near you is open, call ahead or check the store locator on raymourstore.com. In-person payments are useful if you need the payment to post right away and you have a store nearby.
What happens if you miss a payment
If your payment does not arrive by the due date on your bill, Raymour & Flanigan will charge a late fee. The amount of the fee depends on your account agreement and may be a flat dollar amount or a percentage of your balance. Late fees are added to what you owe.
A late payment also affects your credit report. After 30 days past due, the account may be reported to the credit bureaus. This can lower your credit score and make it harder to borrow money in the future. If you know you will be late, contact customer service before the due date to discuss your options.
Setting up automatic payments
Many furniture store accounts let you set up automatic payments so the bill is paid on the same day each month without you having to remember. Log into your account on raymourstore.com and look for the autopay or automatic payment option. You will need to provide a bank account number or a debit card.
Automatic payments reduce the risk of missing a due date. You can change or cancel the automatic payment at any time through your account settings. If you do cancel, make sure you have another way to pay so your account does not fall behind.
Understanding your bill and due date
Your Raymour & Flanigan bill shows the amount due, the due date, and the minimum payment required. The due date is the last day the payment can arrive without triggering a late fee. If your bill says the due date is the 15th, the payment must be received by the end of that day.
The minimum payment is the smallest amount you can pay to keep your account in good standing. Paying only the minimum means you will pay interest on the remaining balance. If you can pay more than the minimum, you will pay less interest over time and pay off the account faster.
Disputing a charge or payment issue
If you believe a charge on your bill is wrong or a payment did not post correctly, contact Raymour & Flanigan customer service. Have your account number and the details of the transaction ready. Explain what happened and ask for a written confirmation of the dispute.
The company has a set amount of time to investigate and respond. Keep records of all your payments and correspondence. If the issue is not resolved to your satisfaction, you may be able to dispute the charge with your bank or credit card company, though this should be a last resort after working with the store directly.
Frequently Asked Questions
How long does it take for an online payment to post?
Online payments typically post the same business day if you submit them before 5 p.m. Eastern time. Payments submitted after 5 p.m. or on weekends may not post until the next business day. Check your account a few hours after paying to confirm the payment went through.
Can I pay my Raymour bill with a gift card?
Gift cards can be used to make purchases at Raymour & Flanigan stores, but they cannot be used to pay your bill balance. You must use a debit card, credit card, bank account, cash, or check to pay what you owe on your account.
What should I do if I cannot pay my full bill by the due date?
Contact Raymour & Flanigan customer service before the due date. Explain your situation and ask whether they offer a payment plan or hardship program. Paying something before the due date is better than paying nothing, as it shows good faith and may reduce late fees. Do not ignore the bill.
Is there a fee for paying online or by phone?
Raymour & Flanigan does not charge a fee for online or phone payments made directly through their website or customer service line. Some third-party payment processors may charge a fee, so make sure you are paying through the official Raymour & Flanigan channels.
Can I get an extension on my due date?
Extensions are not automatic, but customer service may be able to work with you if you contact them before the due date. Explain why you need more time and ask what options are available. Having a history of on-time payments makes it more likely they will help.