Farmers Home Furniture Return Policy 2026 Update
Buying new furniture for your living room, bedroom, or dining area is an exciting home upgrade. However, if a new sofa does not fit through your entryway, a mattress feels too firm, or an item arrives with transit damage, you need to know how the farmers home furniture return policy works.
Farmers Home Furniture operates over 200 regional showrooms across the Southeastern United States. Unlike major e-commerce websites that give you a 30-day trial, Farmers Home Furniture enforces a short return window of 3 to 7 days, non-refundable freight charges, and strict local store manager approval rules. Updated for 2026, this complete guide breaks down everything you need to know about return eligibility, restocking fees, canceled store financing, and how to start a return quickly.
Overview of the Farmers Home Furniture Return Policy
Farmers Home Furniture relies heavily on regional brick-and-mortar showrooms, local store delivery trucks, and in-house account financing ("Farmers Credit"). Because merchandise is managed locally, all returns, exchanges, and cancellations are reviewed and authorized directly by the store manager where your purchase originated.
Here is a quick snapshot of how the farmers home furniture return policy operates:
| Topic | Policy Specification |
|---|---|
| Return Window | 3 to 7 Days (Strictly enforced; subject to store manager approval) |
| Proof of Purchase | Original Sales Receipt, Invoice/Sales Order Number, and Photo ID |
| Restocking Fee | 15% to 20% re-handling fee on all approved non-defective returns |
| Delivery Fees | Non-refundable (Customer pays secondary pickup fees for returns) |
| Damaged Items Window | Must be noted at delivery or reported within 24 to 48 hours |
| Refund Method | Original payment method; corporate check for cash >$100; account balance adjustment for financed purchases |
| Non-Returnable Items | "As-Is" / Clearance, Floor Models, Opened Mattresses/Bedding, Special Custom Orders, and Customer-Assembled Furniture |
Key Rules of the Farmers Home Furniture Return Window & Eligibility
Understanding the timeframe and eligibility conditions is essential before bringing furniture back or requesting a home pickup.
Standard Return Window
The primary rule of the farmers home furniture return policy is its tight timeline. You must contact your local showroom within 3 to 7 days from the date of physical delivery or in-store pickup to request a return or order cancellation. Requests made after this short window are generally denied or handled as manufacturer warranty claims.
Online vs. In-Store Return Windows
Orders placed on the official website are fulfilled directly by your local regional showroom or nearby distribution hub. Because of this local setup, farmers home furniture online returns follow the exact same 3-day notification rule as farmers home furniture in-store returns. There is no extended window for online shopping.
[QUICK RETURN ELIGIBILITY CHECKLIST]
✅ Contact store within 3 to 7 days of receipt
✅ Bring original paper sales contract and receipt
✅ Item is in brand-new, unused condition
✅ Original tags, hardware, manuals, and boxes included
❌ Free of pet hair, stains, or smoke odors
What Items Qualify for Returns
To qualify for an in-store return or freight pickup, standard non-custom merchandise (such as dressers, dining tables, sideboards, and unopened decor) must be in brand-new condition. Appliances and electronics must include all original factory packaging, user manuals, remote controls, and unclipped power cords.
Conditions for Accepted Returns
Local store managers inspect all returned merchandise. Items will be immediately rejected if they show any signs of customer wear, scuffs, pet hair, or smoke exposure. If an item was assembled by the customer after carry-out, it is considered modified and non-returnable.
How to Return Items to Farmers Home Furniture
Depending on how you originally bought and received your item, the return method will vary.
1. In-Store Return Process (Carry-Out Items)
If you picked up your furniture or small home accents directly from a showroom, you must bring the merchandise back to the exact same store location.
- Gather Documents: Locate your original sales receipt, contract, and the card used for purchase.
- Inspect the Item: Ensure all hardware, legs, and packaging components are packed with the product.
- Visit Your Showroom: Bring the merchandise to the store during regular business hours and ask to speak with the Store Manager.
- Complete Inspection: The store manager will inspect the item for damage and process your refund minus any applicable restocking fee.
2. Online Return Process
If you ordered furniture through the web store, your order was processed by a nearby local store.
- Check Your Invoice: Find the phone number of the fulfilling showroom printed on your digital receipt.
- Call Within 3 Days: Contact the local store manager within 3 days of delivery. Be ready to email clear photos if you are reporting a defect or transit damage.
- Receive Authorization: The store manager will verify your order number and inform you whether a return or exchange is approved.
3. Mail-In Return Process
Farmers Home Furniture handles freight locally, meaning traditional parcel mail returns are rarely used. Small drop-shipped accessories must be coordinated in advance through national customer support at 1-800-451-2401. Unsolicited shipments sent directly to store warehouses or corporate headquarters will be refused and returned to sender.
4. Freight Pickup & Return Label Instructions
For large items delivered by store trucks (sofas, sectional couches, bedroom sets), standard return mailing labels do not apply. Instead:
- The local store dispatches a delivery crew to retrieve the furniture from your home.
- You must schedule a pickup time and sign an authorization form.
- Return shipping freight costs for truck pickup are paid by the customer and are typically equal to or higher than your original delivery fee.
Refund Methods & Processing Time
Once your return is authorized and inspected, your refund method depends on how you originally paid.
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| ORIGINAL PAYMENT METHOD | REFUND TYPE | TYPICAL PROCESSING TIME |
+---------------------------------------------------------------------------------------------------+
| Credit Card / Debit Card | Original Card Balance | 3 to 7 business days |
+---------------------------------------------------------------------------------------------------+
| Cash / Check (Under $100) | In-Store Cash / Credit | Immediate upon approval |
+---------------------------------------------------------------------------------------------------+
| Cash / Check (Over $100) | Corporate Check (Mailed) | 10 to 14 business days |
+---------------------------------------------------------------------------------------------------+
| Farmers Credit Account | Finance Balance Reduction | 2 to 5 business days |
+---------------------------------------------------------------------------------------------------+
Cash Purchases Over $100
For safety reasons, local store registers do not store large cash reserves. If you paid with cash or check for an order totaling more than $100, the store cannot issue immediate cash. Corporate headquarters will mail a paper check to your home address within 10 to 14 business days.
Returns on Financed Accounts (Farmers Credit)
If you financed your living room or bedroom package through an internal Farmers Credit plan, the approved return value is applied directly to your account. This reduces your principal balance or closes the account entirely. However, you remain responsible for paying non-refundable fees (such as pickup costs and restocking fees) as well as any finance charges accrued prior to the return.
Reasons Returns May Be Denied
Your return request may be declined if:
- You contact the store after the 3 to 7-day return window has closed.
- You cannot provide an original paper receipt or sales order contract.
- The merchandise exhibits pet damage, food stains, or smoke odors.
- The local store manager determines the item was damaged due to improper customer use or improper transport.
Farmers Furniture Exchange Policy
If you prefer to swap your item for a different color, size, or style, the farmers furniture exchange policy offers a straightforward path.
- Timeline: You must request an exchange within 3 to 7 days of delivery or pickup.
- Value Requirement: Replacement items must be of equal or greater value.
- Fee Structure: Even for exchanges, you are responsible for paying any price differences, the 15% to 20% restocking fee on the original item, and a new redelivery freight fee for the replacement item.
To start an exchange, call your local showroom manager, select your replacement merchandise, and schedule a redelivery date.
Non-Returnable or Restricted Items
Due to state health sanitation codes, custom manufacturing costs, and liquidation pricing, certain products are categorized as non-returnable items.
[STRICTLY NON-RETURNABLE CATEGORIES]
❌ Clearance, Floor Models, and "As-Is" Merchandise
❌ Mattresses, Box Springs, and Open Bedding (Pillows, Sheets, Pads)
❌ Special / Custom Factory Orders
❌ Customer-Assembled Furniture
❌ Completed Delivery, Pickup, and Assembly Service Fees
❌ Gift Cards
- Clearance & "As-Is": These products are deeply discounted for quick clearance and carry no return rights or store warranties.
- Mattresses & Bedding: State hygiene laws strictly prohibit the resale of used bedding. Once a mattress or box spring is delivered and unwrapped, it cannot be returned unless covered under a specific manufacturer warranty claim.
- Custom Orders: Merchandise custom-built by factory manufacturers with non-standard upholstery or custom dimensions cannot be canceled or returned once production begins.
Fees, Deductions & Exceptions
Returning large home furnishings carries notable costs that are deducted directly from your total credit amount.
+---------------------------------------------------------------------------------------------------+
| FEE TYPE | DEDUCTION AMOUNT | DETAILS |
+---------------------------------------------------------------------------------------------------+
| Restocking Fee | 15% to 20% of item price | Deducted from total merchandise refund |
+---------------------------------------------------------------------------------------------------+
| Original Delivery Charge | 100% Non-refundable | Service is considered fully rendered |
+---------------------------------------------------------------------------------------------------+
| Return Pickup Fee | Equal to local delivery | Pays for store truck and driver pickup |
+---------------------------------------------------------------------------------------------------+
| Order Cancellation Fee | 10% to 15% | Applies to pre-delivery cancellations |
+---------------------------------------------------------------------------------------------------+
Situations Where Fees Are Waived
Fees are waived only if:
- The item was physically damaged in transit by the store's delivery team.
- The wrong merchandise model or color was delivered by mistake.
- A certified technician verifies a major manufacturing defect upon unboxing.
Handling Damaged or Defective Deliveries
Because heavy items can suffer scuffs or frame stress during transit, you should follow these essential steps during drop-off:
- Inspect Before Signing: Thoroughly check all wood, upholstery, and glass before signing the delivery driver’s Bill of Lading (BOL).
- Document Damage: Write down any scuffs, tears, or broken parts directly on the driver's paperwork. Take clear photos of the damaged area and shipping box.
- Notify Store Within 24–48 Hours: If you notice concealed damage after the drivers leave, call your local showroom within 24 to 48 hours.
- Repair-First Policy: Farmers Home Furniture reserves the right to send a certified service technician to your home to repair damaged parts, touch up finishes, or order replacement components before approving a complete return or replacement.
Holiday & Extended Return Policies
Unlike nationwide big-box retailers, Farmers Home Furniture does not offer an extended holiday return policy.
Purchases made during major shopping periods-such as Black Friday, Cyber Monday, Christmas, or Memorial Day sales-are subject to the standard year-round 3 to 7-day return window. Always double-check terms with your local store manager if you are purchasing gifts well in advance.
Customer Support & Contact Information
For fast resolution, always contact the specific regional showroom listed on your sales order contract. For corporate inquiries or further assistance, use the following contact details:
- Customer Support Phone: 1-800-451-2401
- Operating Hours: Monday – Friday, 8:00 AM – 5:00 PM (EST)
- Official Website: Visit the official Farmers Home Furniture website to find direct phone numbers for local store managers.
Frequently Asked Questions
How long do I have to return an item to Farmers Home Furniture?
You have a strict 3 to 7 days from the date of pickup or home delivery to request a return or exchange with your local store manager.
Does Farmers Home Furniture charge a restocking fee?
Yes. Approved non-defective returns are subject to a 15% to 20% restocking fee, which is automatically deducted from your total refund amount.
Can I return items to Farmers Home Furniture without a receipt?
No. An original sales receipt, signed customer order contract, and photo ID are required for all returns, exchanges, and warranty requests. No-receipt returns are not accepted.
Are delivery charges refundable if I decide to return my furniture?
No. Original delivery service fees are strictly non-refundable. Additionally, if store trucks collect the returned items from your residence, a secondary pickup fee will apply.
How do returns work if I financed through a Farmers Credit account?
Your approved refund amount (minus non-refundable delivery and restocking fees) is applied directly to your internal Farmers Credit balance to lower or clear your account statement.
What should I do if my furniture arrives damaged upon delivery?
Note the damage directly on the driver's Bill of Lading delivery slip, take clear photos, and notify your fulfilling store within 24 to 48 hours. The store will typically schedule a technician to repair the item before issuing a replacement.
Can I return an opened mattress or box spring?
No. State sanitary health codes prohibit returning opened or delivered bedding products unless they are officially verified as defective under a manufacturer's warranty.
How long does a cash refund take if I spent over $100?
Cash purchases exceeding $100 are not paid out in store register cash. A corporate check will be processed and mailed from headquarters to your address within 10 to 14 business days.
Can I return clearance or "As-Is" floor models?
No. All floor models, clearance markdowns, and "As-Is" items are final sale and non-returnable.
Can I return my order to a different Farmers Home Furniture location?
No. Returns and exchanges must be processed through the exact regional showroom branch where the original sale was completed.
Conclusion & Summary
Navigating the farmers home furniture return policy requires fast action due to the strict 3 to 7-day timeframe. To avoid unexpected costs, measure your home entryways carefully before ordering, inspect all furniture immediately upon drop-off, and keep your original paper sales contract safe.
Comparing furniture retail return rules before making a major purchase can save you money and stress. Check out our detailed guides to compare other major furniture stores:
- Read our guide on the Ashley Furniture Return Policy
- Learn about the Havertys Return Policy
- Review the Rooms To Go Return Policy
Disclaimer: Return policies may change at any time and can vary based on individual store manager discretion and local regional guidelines. Always verify specific terms with your local showroom before completing a purchase. Policy details verified for 2026.
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