Financing Made Easy
$0 Down & 12-Month Special Financing
Take home the appliances you need today with $0 down and 0% interest for up to 12 months on qualifying purchases. Fast approval, flexible terms, and no hidden fees — that's our promise.
0% Interest Available
Promotional 0% APR financing on qualifying purchases for up to 12 months.
Fast Approval
Apply online and get a decision in minutes, not days.
No Hidden Fees
The payment you see in your approval is the payment you pay. No surprise charges.
Flexible Terms
Choose a repayment term from 6 to 36 months to fit your budget.
Estimate Your Monthly Payment
Use the calculator below to see roughly what your monthly payment could look like on a 0% promotional plan.
Financing Payment Calculator
Drag the sliders to estimate your monthly payment. This is an estimate only — your actual rate and term depend on credit approval.
Estimated monthly payment
$208/mo
0% APR promotional financing available on qualifying purchases
$2,500 over 12 months, no interest, no hidden fees.
Apply Now
Ready to get started? Submit a quick application below. This is a preview experience — no real credit application is transmitted. For an actual financing application, call (240) 576-0397.
Financing FAQs
How do I apply for financing?+
Fill out the application in the "Apply Now" section on this page with your contact information and desired purchase amount. A financing specialist will follow up with your approval decision and available terms — you can also apply in person at any Sarco Appliances store.
Will applying affect my credit score?+
Checking your eligibility is a soft inquiry and does not affect your credit score. A hard inquiry only occurs if you choose to move forward with a specific financing offer.
What credit score do I need to qualify?+
We work with multiple financing partners to offer options across a range of credit profiles. There's no fixed minimum score — your specific rate and terms depend on the lender's review of your application.
Is the payment calculator on this page a real quote?+
No. The calculator gives a simplified, interest-free estimate (purchase amount divided by term length) so you can compare monthly payments at a glance. Your actual approved rate, term, and payment will be confirmed during the application process.
Can I pay off my financing early?+
Yes. All of our financing plans allow early payoff with no prepayment penalty, and paying off a promotional 0% plan before it ends never costs you anything extra.