Nebraska Furniture Mart is a regional furniture chain with stores across the Midwest and online ordering

Nebraska Furniture Mart (NFM) is a furniture retailer based in Omaha, Nebraska, with physical locations in multiple states and a website where you can browse and purchase items. The chain sells living room, bedroom, dining room, and outdoor furniture, along with mattresses, appliances, and home décor. You can shop in person at a showroom or order online for delivery to your home.

The company operates its own delivery and assembly service in most areas where it has stores. This means when you buy a sofa or bedroom set, NFM typically handles getting it to your house rather than using a third-party shipper. Understanding how their ordering, delivery, and return process works helps you make decisions about timing, cost, and what happens if something arrives damaged or doesn't fit your space.

Key Takeaways

  • Nebraska Furniture Mart owns and operates its own delivery fleet, so delivery speed and cost depend on your location and whether a store serves your area.
  • The store offers financing options through third-party lenders, and approval depends on your credit history — not all customers will may have access to for the same terms.
  • Return and exchange policies vary by item type: furniture typically has a longer window than mattresses or clearance items.
  • Delivery and assembly fees are separate from the item price and vary based on distance, item size, and whether you want assembly included.
  • Checking the store locator on their website tells you which locations serve your zip code and whether items are in stock locally.

How delivery and assembly work at Nebraska Furniture Mart

When you order furniture from NFM, the company arranges delivery through its own logistics operation. Delivery timeframes depend on whether the item is in stock at a nearby location or needs to be shipped from a warehouse. In-stock items at a local showroom may arrive within days; special orders or items from distant warehouses can take weeks.

Delivery fees are calculated based on your zip code and the size of the item. A small chair costs less to deliver than a sectional sofa. You can see the delivery cost before you complete your purchase — it appears in the checkout summary. Assembly is optional and costs extra; you can choose to have NFM assemble the furniture when it arrives, or you can assemble it yourself. Some items, like mattresses or tables, may not require assembly.

If an item arrives damaged, contact NFM within a set timeframe (usually a few days) with photos. The company will either send a replacement or arrange a return. Delivery drivers are instructed to inspect items before leaving your home, so document any damage when ready and don't sign off on the delivery if something is visibly broken.

Financing options and credit requirements

Nebraska Furniture Mart offers financing through third-party lenders, typically with options for 12, 24, or 36-month payment plans. These are not loans from NFM itself — the lender approves you, and you make payments to them. Interest rates and approval odds depend on your credit score and history. Customers with strong credit may see zero-interest offers; those with lower scores may face higher rates or not be approved at all.

You can explore for financing in the store or online before or during checkout. The lender will do a hard credit inquiry, which temporarily lowers your credit score by a few points. If you're approved, you'll receive a credit limit and can use it for your purchase. If you're denied, you can still buy the item by paying cash or using a debit card.

Read the financing agreement carefully: some plans charge interest retroactively if you don't pay off the balance before the promotional period ends. Others have no interest if you pay on time. The terms are set by the lender, not by NFM, so compare the actual rate and timeline before signing.

Return and exchange policies by item type

NFM's return window depends on what you bought. Furniture typically has a 30-day return period from the date of delivery — you can return it for a refund or exchange it for a different item. Mattresses have a shorter window, usually 14 days, because they're considered hygiene items once they've been slept on. Clearance and final-sale items cannot be returned.

To return an item, contact the store or customer service with your order number. For large furniture, NFM will arrange a pickup at your home. You're responsible for having the item ready and accessible; the driver won't disassemble it. Refunds are issued to your original payment method and can take 5 to 10 business days to appear in your account.

Exchanges work the same way: you return the original item and order the replacement. If the replacement costs more, you pay the difference. If it costs less, the difference is refunded. Delivery and assembly fees for the new item are charged separately.

Checking stock and store locations

Nebraska Furniture Mart has a store locator on its website where you can enter your zip code to see which locations serve your area. Not every state has an NFM store, so if you live far from a showroom, you'll be ordering online with delivery from a warehouse. The locator also shows store hours and contact information.

When you browse items online, the website shows whether stock is available at nearby stores or in the warehouse. In-stock items at a local store usually ship faster than warehouse orders. You can also call a store directly to ask whether a specific item is in stock before you drive there or place an order.

What to compare when shopping at Nebraska Furniture Mart

Before buying, compare the item price, delivery cost, and assembly fee — these three numbers together make up your total cost. A sofa that looks cheaper may cost more once delivery and assembly are added. Use the online calculator or call the store to get an exact quote.

Check the warranty information for each item. Furniture warranties vary: some cover structural defects for a year, others for longer. Mattress warranties are often 10 years but may have conditions (like using a certain type of foundation). Read what's covered and what's not before you buy.

If you're financing, compare the interest rate and term across different lenders if NFM offers multiple options. A 36-month plan with zero interest costs less than a 24-month plan with interest, even though the monthly payment is lower. Use a calculator to see the total amount you'll pay.

Common issues and how to handle them

Delivery delays happen, especially during busy seasons or for special orders. If your delivery date slips, contact NFM to ask for an updated timeline. Some customers have reported waiting longer than quoted, so confirm the date a few days before the scheduled delivery.

If an item doesn't fit through your doorway or up your stairs, that's your responsibility to measure before ordering — NFM won't take it back because of fit issues. Measure doorways, hallways, and stairwells before you buy large pieces. The store can provide item dimensions, and you can also ask the delivery driver to help assess fit before they unload.

Financing disputes sometimes arise if a payment is missed or the terms weren't clear. The lender, not NFM, handles payment issues. Keep your financing agreement and contact the lender directly if you have questions about your account or payment schedule.

Frequently Asked Questions

Can I buy online and pick up in store?

Nebraska Furniture Mart offers in-store pickup for some items, but not all. Check the product page during checkout — if pickup is an option, you'll see it listed alongside delivery. Pickup usually costs less than delivery and is faster for in-stock items.

What happens if I miss a financing payment?

Contact your lender when ready — late payments can trigger interest charges and affect your credit score. The lender may offer a grace period or payment plan. NFM doesn't handle financing payments, so you'll work directly with the lender on this.

Do I have to buy the warranty or protection plan?

No. Warranties and protection plans are optional add-ons. Every item comes with a standard manufacturer's warranty; the additional plans cover things like accidental damage or stains. Read what each plan covers and decide whether it's worth the cost for your situation.

Can I return furniture if I just changed my mind?

Yes, within the 30-day return window for most furniture. The item must be in resalable condition — no major damage or stains. You're responsible for having it ready for pickup, and you'll lose any delivery and assembly fees you paid.

How do I know if Nebraska Furniture Mart delivers to my area?

Use the store locator on the website or call the nearest location to your zip code. If there's no store nearby, you can still order online, but delivery will come from a warehouse and may take longer and cost more than local delivery.