Flexible Payment Options

A Better Way to Pay

The piece you've been dreaming of is closer than you think. With flexible payment options at Harry Ritchie's, you can say yes with confidence and choose a payment path that works for you.

Everyone is Welcome. That Means You.

Lease with

Found the one? Take it home today with flexible options that make it easier to say yes. Because at Harry Ritchie's, everyone is welcome. And that means you.

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Low payment options

Already have an account?

To make an online payment on an existing HRJ account, click here to be redirected to our payment portal.

To make an HRJ account payment over the phone, call your local store or (800) 275-1951.

FAQs

Kafene is a lease-to-own program that lets qualified customers take their purchase home right away while making affordable lease payments over time.

No. Kafene is a lease-to-own program, not a loan.

Most applications receive a decision in about 60 seconds.

Kafene approvals are generally valid for up to 30 days.

Qualified customers may be approved for up to $5,000.

Yes. Kafene offers an early purchase option that may reduce the total cost of your lease. Refer to your lease agreement or contact Kafene for complete details.

Kafene offers convenient payment options, including automatic payments and online account management. Contact Kafene for complete payment details.

If you're having trouble making a payment, contact Kafene as soon as possible. Their team can discuss the options available for your account.

Please contact Kafene directly to discuss your lease agreement and available options.

Kafene uses secure technology and industry-standard safeguards to help protect your personal information throughout the application and payment process.