
Last time we talked (check out Family Financing, Part 1: When “Family” Met “Financing” at Tepperman’s), I shared one of my favorite Tepperman’s stories in which Nate had an usual interaction with one of his customers. I think a lot of consumers today agree that it’s nice when a business doesn’t forget its customers or where it came from. But it’s been 87 years since Nate Tepperman first rode his bike around town. Things can really change over that length of time, right? I wouldn’t be surprised if you were asking yourself “So what? What does that really mean today?”
To us, it means everything. We’re driven to create a great experience for our customers in our stores, over the phone and (before too long) online too, while at the same time offering unrivaled flexibility and incredible options.
We Really Do Value Relationships with our Customers- an Example
We do a lot of great things, and I’ll get to them. But before I do I want to share one example in particular- this time I’m not saving the best for last! To me this one business practice is a perfect example of how we put our customers’ needs first and just how much we invest in our relationship with our customers.
As you know, Tepperman’s is a for-profit business (I hope that’s not a surprise) and one of the ways we generate revenue is through our credit business. Some businesses (‘the other guys’) capitalize on consumer interest in a way that’s practically predatory.
Not Tepperman’s. If you’re on an interest-bearing account with an interest-free period, we go out of our way to remind you when your interest-free period is coming to a close to help you avoid paying us any interest!
Who does that???
A Strong Foundation
Integrity. Trust. Fairness. Family Values. For almost 90 years the Tepperman family has operated our business with an important set of core values, a practice that continues to this day. At Tepperman’s you’re safe from predatory lending practices and abusive interest rates.
We Lend You Our Own Money! Since 1925 the Tepperman family has been lending their own money to customers to purchase furniture, mattresses, appliances and electronics for their home. That’s over 85 years and three generations of the Tepperman family helping to bring great values to our customers and their families. You’re always dealing with our knowledgeable team at Tepperman’s- not some faceless third-party lender who doesn’t know you, or even care to.
A Great Experience Begins with Great People
Our approach to creating a great experience for our customers is all about relationships, and so it starts by having the right people- and by right, I mean GREAT people. Andrew and I are very proud of the team who take care of our customers every day.
While ‘the other guys’ typically call these people ‘cashiers’, there are no ‘cashiers’ at Tepperman’s. Instead we’ve got a dedicated, well-trained trained group of Customer Assistants who are responsible for order entry, delivery scheduling, assisting with credit applications and financing- and for creating a great experience.
Our Customer Assistants will courteously invite YOU to their station for assistance, never asking the generic “Can I help who’s next?” They’ll great you with a warm smile and introduce themselves as they begin to process your order. They’ll do everything they can to make sure you know that you’re an important customer and that we really appreciate your business.
I’ve heard it said that “the magic is in the details”. This is definitely true at Tepperman’s- in order to provide great service options, there’s often a lot of detail. One way our Customer Assistants ensure a ‘magical’ experience is through using checklists to keep on top of all of those details, whether they’re reviewing your account with you, helping you with your credit application, entering your sales order or just accepting a payment.
While things many not move quite as quickly as if you’re standing in line for a Double-Double, we leverage impressive technology to keep things moving swiftly- rushing is risky, but we know how precious your time is and we don’t want to waste a second of it.
One Customer’s Experience at Tepperman’s
Timing is everything! While I was preparing this post earlier this week, we got some incredible feedback from a customer on our Facebook page.

Customer feedback from Tepperman's Facebook page. 'Like' us and check it out!
Check it out for yourself at www.facebook.com/teppermans
Options & Flexibility & Choices… Oh My!
Safe, friendly financing is a great place to start- but we don’t stop there. Why? Because no two customers are alike! When it comes to financing, a customer:
- Might have a blank slate- they’re just getting started;
- Might have great credit- they’ve worked hard at it;
- Might need to start over- bad things happen to good people.
Some of our customers have great credit. We know how much work goes into a perfect credit history- it’s harder than getting straight “A’s” when you were in school! Like good grades, we think good credit deserves to be rewarded… but we do a LOT better than gold stars!
Some of our customers are just starting out, and their credit scores are blank slates- they have no credit. We know that everyone needs to start somewhere, and we know that it can often be hard to get credit for the very first time. Tepperman’s is a great place to get started. Use one of our customized programs to establish your credit!
Some of our customers are starting over. We understand that bad things can happen to good people. Maybe you’ve had a previous bankruptcy, or are just in a crisis. Hard times can make it difficult to re-establish yourself and get back on the road to high quality credit. At Tepperman’s we can help you get back on the right track, and we’ll work with you through difficult times.
We work equally hard for all Tepperman’s customers, no matter which group a customer might fall into. We know how much our customers value options, flexibility and choice… and we want to give you what you want!
Some families prefer the deferred payments feature associated with our “No Pay” accounts. Others prefer something featuring the benefits of “Interest Free” accounts and the array of interest-free periods. Pretty much everyone loves the “No Payments, No Interest” combination and we offer that one when we can, too! With so many different types of plans to choose from, you can get customized payment terms to meet your needs!
If you’re seeking flexible payment options, check these out!
- Low monthly payments;
- Extra Time to pay your account- up to 48 months;
- Relief from coming up with a large payment now;
- Two 30 day payment holidays each and every year;
- Freedom to pay your account in full at any time without penalty;
Maybe you’re interested in avoiding interest?
- An extra 30 days interest free!
- An interest rate that is much lower than most credit cards that you use every day!
- An opportunity to waive ALL backdated interest!
How about options for choosing how you want to pay? We’ve got those!
- Telephone banking;
- Internet banking;
- ATM banking;
- Automatic withdrawal;
- Pay us by mail;
- Pay in person at Tepperman’s! Visit us at any of our showroom locations and pay your account with a personal cheque, debit card, or cash.
Want to open an account? We’ve worked hard to make sure that it’s fast, easy and hassle-free. Best of all, you get to choose the method that suits you best.
- Apply online;
- Visit any Tepperman’s location;
- Call one of our In-House Credit Experts at 1-877-315-5173
Did I Miss Anything?
I know that I’ve been thorough, but there’s always the chance that I’ve missed something, or that you have a question I haven’t answered. We’ve got an amazing team of in-house experts, and it would be their pleasure to assist you in person, by phone (1-877-315-5173) or via email (http://www.teppermans.com/index.cfm/en/tm-financing-ask-credit-expert).
The Wrap Up
When you boil it down, it all comes back to just how much everyone at Tepperman’s values our relationship with you. We lend you our own money, and that gives us the flexibility to meet your needs by doing so many different things.
While I admit that I may geek out when it comes to all of the different options and services that we offer, I get a little serious when it comes to talking about the “why”. Andrew and I, along with our entire team, have a single mission: to be the store where people love to do business.
We strive for that goal every day while standing on the foundation of our values: Respect; Trust; Teamwork; Innovation; Passion; Family. Why? Because we know that when we do it right… you will come back.
Family to family… that’s the difference. I’m Noah Tepperman.
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Tags: Choice, Flexibility, Interest Free, No Interest, No Payments, Options