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AppliancesScratch & Dent Warehouse

Payment options

Buy now,
pay later

Financing options are available on appliances at KT Appliances. What you qualify for depends on the provider and your application, so we walk through the options with you directly rather than publishing terms that may not apply to your situation.
Ask About FinancingCall 973-519-9717

How it works here

Straightforward, and no surprises

Financing is one of the reasons a warehouse price makes sense — you are already paying less than retail, and paying over time makes a full kitchen or laundry replacement manageable.
  1. 01

    Pick the appliance first

    Financing options can depend on the purchase amount, so it is easiest once you know which unit you want. Browse inventory or tell us what you need and we'll find it.

  2. 02

    Ask us what applies

    Call, text, or send the form on this page. We'll explain which financing options are available for that purchase and what the application involves.

  3. 03

    Apply, then take it home

    Once you are approved, we schedule delivery or warehouse pickup the same way as any other order — including installation and haul-away if you need them.

What we will not tell you on a web page

We do not advertise guaranteed approval, no credit check, a specific interest rate or a specific payment schedule. Those depend entirely on the financing provider and your application, and any number published here would be wrong for most people. Ask us and you will get an accurate answer for your situation.

Fastest way to get an answer

Text us the appliance you want. We'll tell you what financing options apply to that purchase.

Text 973-519-9717Call the warehouse

Helpful to have ready

  • Which appliance (or appliances) you want
  • Your ZIP code, if you will need delivery
  • Roughly what monthly payment works for you

Financing inquiry

Ask about financing

Send this and we'll follow up with the options available for what you're buying. Submitting this form is not an application and does not affect your credit.

Does KT Appliances offer financing?

Financing is available, including buy now, pay later options. Terms and approval depend on the provider and your application, so we do not quote rates or terms on the website. Call or text 973-519-9717 to ask what financing options apply to the appliance you want.

What do I need to apply for financing?

Requirements depend on the financing provider. Rather than list requirements that may not apply to your situation, we walk through the options with you directly — call or text us with the appliance you are interested in and we will explain what is available.

Can I finance a scratch and dent appliance?

Financing options are available on appliances we sell, including scratch & dent units. Availability can depend on the purchase amount and the provider, so ask before you finalize the appliance you want.

We'll call or text you back at this number.

Helps us quote delivery.

We use your number to respond to this request only. No marketing texts, no list sharing. See our privacy policy.

Shop first, then ask

Browse what's on the warehouse floor, pick what you need, then text us and we'll go through payment options for that purchase.

Text 973-519-9717Call the warehouse

Open daily 10:00 AM – 5:00 PM · After-hours by appointment