I'm sorry to hear about the negative experiences that other reviewers have had. I've never had one…read morehere.
I've been dealing with EHF since abut 2012. I got two washers there, a dryer, a mattress set, and my sister got a castle themed bunk bed for her kids.
Just about anyone can finance anything in the store, as far as I know they have very relaxed standards on credit. It was my understanding that so long as you have a job, three references, and the bank doesn't scream and set your application on fire - you can make payments.
My sister defaulted on her payments for the bunk bed last year; she'd been in a terrible car accident, we lost a family member, and as she tried to cope she let several of her obligations slip. Several months later, probably six or eight months, it came up and she said she was afraid to contact them because she expected they'd want all her past payments up front with fees.
I mentioned her situation to them the next time I went in to pay my bill. The gentleman I was speaking with was kind enough to say he hoped she was doing okay before anything else. Then he told me he would be happy to just let her pick her payments up again, even though it was already flagged to go to collections. Since she lived so far away, I asked him if I could take responsibility for her account without actually putting it on my own account, so it stayed in her name but I got the monthly reminders. It wasn't a problem, and the bunk bed is now payed off completely.
I cannot express my appreciation that they had not inflated her balance with late fees, and did not insist on a large bulk payment to get started putting her back into good standing. That he asked, and seemed entirely genuinely concerned if she was okay, was so kind. Thank you, sir.
Sure, there are occasionally warehouse errors - my new washer was a bit late because the model I'd originally decided on had some shipping problem and I'd have to wait, and it was frustrating, but it's a local business and things happen. The staff was sympathetic and attentive. After about a week they made my first choice (which had not been available at the time) manifest instead, somehow, at a better price than we'd originally discussed because of some tax-free sale. (They have all kinds of sales pretty frequently, but I'd say their anniversary sale in November is the best.) Plus they delivered, set it up, and then for no extra charge they lugged my old broken washer away.
I'm happy with the selection, and the service. Going in to pay my bill always comes with a pleasant chat and it's really nice for at least one of my errands to be so casual and social. I've also never gone in there and been told they wouldn't at least try, and that's worth a lot in customer service.