Case Study: Jerome’s Furniture achieves 67% increase in consumer financing adoption with ChargeAfter

Jerome’s Furniture Achieves 67% Increase in Consumer Financing Adoption, With High Approval Rates

Jerome’s Furniture, a Southern California discount furniture chain and omnichannel retailer, faced growing consumer demand for flexible point-of-sale financing as shoppers moved online and interest rates rose. The merchant needed access to prime, near‑prime, and subprime lenders but found managing multiple lender systems cumbersome and conversion‑killing — customers were often declined, forced to reapply, or abandoned their carts — so they turned to ChargeAfter for a unified POS financing solution.

ChargeAfter deployed its point-of-sale financing platform using a “waterfall” lender‑routing approach and centralized post‑sales management, delivering instant, personalized financing offers and a single place to manage reconciliations, disputes, and refunds. Since partnering in 2021, ChargeAfter helped Jerome’s Furniture boost financing adoption by 67% (from 30% to 50%) while maintaining high approval rates, simplifying back‑office processes, and providing actionable reporting for marketing and forecasting.

Jerome’s Furniture

George Burt

Vice President of e-Commerce & Omnichanne