by SPONSORED CONTENT
Learn how the financing you offer can encourage customers to buy more — which can help boost your bottom line.
You’ve probably heard that giving your customers the flexibility to pay over time with financing can encourage them to make bigger purchases. But how much bigger?
We looked at the average size of Wells Fargo Home Furnishings® cardholder purchases between October 2024 and September 2025 for two of our most popular furniture financing promotions: No Interest if Paid in Full and 0% APR with Equal Payments. For both promotion types, our research found a significant increase in customer spending as the length of the plan increased.
No Interest if Paid in Full plans:
For Wells Fargo Home Furnishings cardholders who used No Interest if Paid in Full plans with 6-, 12-, or 18-month terms, there was a clear correlation between plan length and ticket size. In fact, the average ticket more than doubled when going from 6 months to 12 months and increased by over 40% when going from 12 months to 18 months.¹
Wells Fargo Home Furnishings average ticket sizes for No Interest if Paid in Full plans, Oct. 2024 – Sept. 2025
0% APR with Equal Payments plans:
To see if this pattern held for other types of financing promotions, we compared the purchases of Wells Fargo Home Furnishings cardholders who used 0% APR with Equal Payments plans with terms ranging from 12 to 48 months. Once again, we found that an increase in plan length correlated with an increase in ticket size. In this group, we found that average ticket size increased by over $300 for each additional 12 months of financing. The most dramatic increase was seen when comparing 36- and 48-month 0% APR with Equal Payments plans, as customers who used the 48-month plan spent an average of over $1,800 more compared to customers who used the 36-month plan.²
Wells Fargo Home Furnishings average ticket sizes for 0% APR with Equal Payments plans, Oct. 2024 – Sept. 2025.
Conclusion:
Based on our research, Wells Fargo Home Furnishings cardholders are willing to spend more when they are given the option to take more time to pay. If you find that your customers often hesitate when faced with the prospect of making a large furniture purchase or purchasing furniture for multiple rooms at one time, you may be able to close the sale by offering a longer-term financing option. It’s an easy way to empower your customers — and help your business grow.
Want to know more? Talk to a Wells Fargo representative today!
Reach out online or call 1-800-577-5191.
1. Comparison of Wells Fargo Home Furnishings® cardholder average ticket sizes between October 2024 – September 2025 using 6-, 12-, and 18-month No Interest if Paid in Full plans.
2. Comparison of Wells Fargo Home Furnishings® cardholder average ticket sizes between October 2024 – September 2025 using 12-, 18-, 24-, 36-, and 48-month 0% APR with Equal Payments plans.
