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Financing Options

Get 12 Months of Interest-Free Financing Through Wells Fargo

Plants and Things partners with Wells Fargo to offer flexible financing options for qualified customers. With 12 months of interest-free financing, you can bring home the outdoor furniture, structures, or décor you want now and pay over time.

Financing is available on most purchases, pending credit approval. The process is quick, secure, and completed directly through Wells Fargo without any paperwork, hidden fees, or in-store processing charges. We also take American Express, Discover, Mastercard, and Visa.

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How it Works

Applying for financing is easy and only takes a few minutes.

  • Start your application: You can apply in-store or begin the process from home. If you’re shopping with us in person, our team can send you a secure link or enter your email at checkout.
  • Complete the form: Wells Fargo will email you a private, secure application to fill out.
  • Get approved: Once submitted, Wells Fargo reviews your application quickly. Most approvals arrive within minutes.
  • Finalize your purchase: After approval, you can complete your purchase and take home your items. Please note that approval must be confirmed before the merchandise can leave the store.

All financing is handled directly between you and Wells Fargo, ensuring a simple and private experience from start to finish.

We're Here to Answer Your Financing Questions

If you have questions about Wells Fargo financing, our team can walk you through how it works and what to expect. We’ll help you understand the application process and make it easy to get started.

Stop by our Elk River campus or contact us anytime to get in touch with our team.

  • Monday - Friday
    9am - 7pm
    Saturday
    9am - 6pm
    Sunday
    10am - 6pm
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