Are Furniture Stores Really More Expensive? The Price Myth

By the Cambridge Beds & Furniture team, 199 Thames Street, Morrinsville. Updated September 2026.

"Shops are expensive" is one of the most common ideas about furniture. It feels true, but it is often a misconception. When you look at what is included in a store price and how many ways there are to reduce it, the difference is smaller than many buyers expect.

Why do people think furniture stores cost more?

Usually because they compare a store's full price with the lowest listing they can find online or from a private seller. The two aren't the same product. A cheap listing may be unbranded, used or missing a warranty, and its price doesn't include delivery or after-sales help.

What is included in a store price?

• A tested, branded product that you can see and try before you pay.
• Warranty cover if something fails.
• Delivery and assembly so you don't hire a trailer or carry it yourself.
• Old bed removal if you are replacing one. See old bed removal.
• Local support from people who work in the same town.

Where can you find good prices in store?

Real savings exist if you know where to look:

• Our sale collection has ongoing clearance and promotional prices.
• Brand ranges such as Slumberzone have had promotions of up to 20% off.
• Entry-level double mattresses and bed sets start from $349 for a mattress and $649 for a mattress and base set.

Prices change with promotions, so check the product page or ask us in store.

What is the real cost of buying cheap?

A low price is only good value if the product lasts. A mattress that sags in two years, or a frame with no warranty, ends up costing more than a properly made one that lasts eight to ten. Add the cost of collecting it, and any repairs or replacement, and the "cheap" option can end up more expensive over time.

Can I spread the cost?

Yes, and this is where stores have an advantage. Our finance options let you take home a better product now and pay it off over time:

• Afterpay: split your purchase into four equal payments, due every two weeks, with no added interest when you pay on time. A good fit for smaller items such as a mattress or bedside table.
• GEM Visa: a revolving credit card accepted in store, useful for larger purchases now and in the future.
• Finance Now: a New Zealand-owned option with flexible repayment terms. Ask our team about current interest-free periods and eligibility.
• Q Mastercard: a flexible credit card you can use for your purchase with us and for everyday spending elsewhere.

Most applications are approved on the spot in store or within minutes online. Terms, credit criteria and interest-free periods are set by each provider and can change, so our team will talk you through what is available when you visit.

If you are on a benefit, we can also prepare a WINZ quote.

How do I compare prices properly?

1. Compare the same size, brand and construction.
2. Add delivery, assembly and removal costs to private listings.
3. Check what warranty and trial period apply.
4. Ask if the price is a sale price and when it ends.

Our guide to buying a bed from a private seller vs a showroom has a side-by-side table, and our checklist on what to check before buying a cheap mattress helps you spot poor value.

Come and compare for yourself

The best way to test the price myth is to visit. Find out more about us or drop in at 199 Thames Street, Morrinsville, open seven days.

Frequently asked questions

Are furniture stores more expensive than online sellers?

Not necessarily. Store prices include delivery options, warranty and support, and regular sales and finance options often bring the cost close to online listings.

How can I get furniture for less in a store?

Check the sale collection, look at promotions on brand ranges, choose entry-level options that are still well built, and spread the cost with Afterpay, GEM Visa, Finance Now or Q Mastercard.

Is buying cheap furniture false economy?

It can be. A product that wears out early, or has no warranty, often costs more over its life than a well-built one.

Can I pay for furniture in instalments?

Yes. We offer Afterpay, GEM Visa, Finance Now and Q Mastercard. Terms and interest-free periods are set by each provider, so ask our team what is currently available.