Top 12+ Furniture Store Finance With Bad Credit? Your Best Picks!

Furniture adds the last touch of comfort you need in your house and that is why we think everybody should have the opportunity to buy the products of their choice regardless of the financial standing.

When we found out that furniture store finance with bad credit, we thought a review was due that could benefit all our readers who were seeking help!

Yes, you heard us right!

There are a plenty of furniture financing bad credit options that you can avail so a simple task of buying furniture of your choice does not become a nightmare. Let’s find out more about this epic opportunity.

What Really Is Bad Credit Furniture Financing?

Simply put, furniture financing is when a third party either lends you money so you can purchase the furniture or it buys the products on your behalf giving you time to repay later.

A number of furniture stores have now started financing programs allowing customers with poor credit score or no credit history to borrow money which they can pay off later with interest.

Bad credit furniture financing is very helpful when someone does not have enough money to buy the selective item with a single large payment.

How To Apply For Furniture Credit Online With Bad Credit

Online application just requires a smartphone or a computer with a working, stable internet connection.

First of all, you need to carry out a thorough research on available options.

You should go through their official websites and read about the terms conditions on which they let customers avail of furniture financing.

Some furniture stores are cheap while other are expensive so you have to pick the one that suits your need.

Once you have narrowed down the choice, you will have to sign-up at heir site and provide some of your personal information such as email ID, full name, contact address, contact number.

Some will ask you to disclose your source of income as well.

As soon as your application is approved, the companies will get back to you and ask you to make the required deposit.

Then you simply have to choose the products of your choice and receive the delivery. The closer the company is to your place, the quicker will be the del

Where Can You Get Furniture Financing If You Have Bad Credit

You can find furniture at multiple stores across the nation.

However, our aim is to highlight the places that finance people with poor credit score and give them the opportunity to pay regularly until they complete the due bill, making it easier for them to afford the products of their choice.

Various stores in the US now offer this sort of financing.

You must have heard of Ashley furniture financing bad credit but that is not the only place capable of doing so.

Some more prominent names include FlexShopper, Bob Mills, Winner Furniture, etc.

The primary job is to look for furniture stores that don’t do credit checks or places that support customers with bad score by allowing them to pay in installments.

The aim of this article is to let you know about various stores that offer furniture financing and educate you on how to purchase from them.

Top 12 Furniture Store That Finance People With Bad Credit

After a great deal of scrutiny, we have come up with our list of 12 best places that offer furniture financing with bad credit.

All of these are reliable furniture stores that have been in business for long.

Attention! You need to own a checking account before opting for bad credit furniture financing. This account should then be used to make payments either on weekly or monthly basis as per the demand of the store.

1. Ashley Furniture

The truth is that the first time we ever came across the concept of furniture financing was when we found out that Ashley furniture finance bad credit. Yes, it is quite popular!

Did You Know? Ashley Furniture has been operating for over 65 years ad currently has stores in more than 123 countries and it supplies its products to over 6000 retail partners.

From beds to sofas, the furniture here is exceptional and now you can afford it with flexible payment plans even with poor credit score.

Once you apply and get approved for their scheme, you can instantly make use of the buy now pay later furniture offers along no credit checks and zero interest financing.

Apply Now

2. FlexShopper

This store offers a lease-to-own plan with minimal credit requirement. You also don’t need to make any down payment.

The only pre-requisite is that you are a legal resident in the US and above 18 years of age.

If you lack the finances to afford the furniture of your choice then FlexShopper is one of the best financing options in the market.

You can spread the payment plan over a year and choose to pay on monthly, twice a month or on a weekly basis.

Apply Now

3. Luther Sales

Here you don’t only get to avail helpful financing but also Luther Charge Membership Card is offered that lets you enjoy extended furniture warranty and protection.

Moreover, the delivery services are free for all customers and payment plans are quite flexible for anyone facing financial difficulties.

You have to mention a valid source of income on the form. The authorities will get back to you instantly after reviewing your application.

Then you can choose from wide range of their furniture collection according to your taste and receive it on your doorstep right away.

Apply Now

4. Conn’s HomePlus

This is another great option among leading furniture stores for credit financing. The furniture options are many and you can opt for retail installments contracts, lease payment plans, no credit score check, etc.

Their customer support team will guide you on everything you need before starting your purchase here.

Conn’s HomePlus lets you lease furniture and complete payments later on without any credit requirement.

You simple need to fill their application online and choose the flexible 90-day payment option as per your ease.

5. Elgin Furniture

Elgin Furniture is another budget-friendly option that you can purchase from with monthly payments.

Their terms and conditions for purchase are easily manageable for customers with bad credit history. This means you don’t need to rebuild your credit score before getting the financing.

This furniture store also does not require you to make a down payment. The purchase process is simple and you will most definitely get the approval quickly.

All you have to do is fill the online application at their official website and the rest will be taken care of by the customer support team.

6. New Lots Furniture

New Lots is relatively new but it has served many customers in its 11 years of operation.

They offer some of the best furniture products with light lending standards for those concerned about their poor score.

The process is simple with more than 95% chances of approval. Isn’t that great? You can acquire the furniture you need on lease and get flexible payment plan that suits your income to pay off the money later on.

7. Snap Finance

Snap Finance is a reliable solution to the challenge of bankruptcy or poor credit history.

Their applications will look beyond your credit history and present you with an opportunity to not only purchase the furniture you like but also repair your credit score in the run.

Snap Finance has one of the highest approval rates in the market. It is hardly likely that you will be turned down after filling the simple online application.

Once approved, you will have the flexible plan of paying over a course of year.

8. Bob Mills Furniture

This name stands above the rest as it provide financing specialists along with other facilities to help you get the furniture you need with poor credit score.

Moreover, they have a no credit check program for customers who do not have a credit history, 90-day zero interest offer, and affordable payment plans.

In order to be eligible for their financing program, you need to show an employment of 6 months or longer.

Other than that, the process is quick and you will be informed of a suitable plan as per your need by the customer support team.

9. Bob’s Discount Furniture

Here you get to choose a monthly plan that best suits you. You can also make use of Bob’s credit rebuilding feature if you have a poor or no credit history.

You just have to fill and submit the application and then you can make all the purchases online.

Bob’s Discount Furniture has a very simple application that lets you quickly purchase the furniture of your choice in a small amount of time.

This store is one of the best options that you can make use of when you are struggling to build a good credit history.

10. Winner Furniture

Winner Furniture was launched back in 1946 and since then it has been providing exceptional range of home furniture.

In fact, its collection has surpassed some of the leading brands in Southern Indiana and Kentucky.

The store has not set a very high qualification bar to ensure that everybody gets a chance at purchasing furniture without struggle.

Besides the No Credit Check option that they offer to their customers, the store will also let you access a number of finance companies that can help you in this regard.

You can find the best quality furniture here and avail the chance of buying it even with bad credit. So why should you look anywhere else?

11. Jack’s Warehouse

Jack’s Furniture store also provides financing option to its buyers with no credit check. Depending on your credit history, you also have a chance of being accepted for 90-day no-interest offer.

The store will ask you to provide a checking account and prove that you have been employed for 6 months or more.

After that, you are free to proceed with bad credit furniture financing and choose the products of your choice at the store..

12. Furniture Mart

Furniture Mart provides its customers with three financing options. We have summarized them below:

  • Furniture Mart USA Credit Card that can be used by customers older than 6 months.
  • Leasing plan meant for users with poor credit score and offers flexible payment schedule.
  • Furniture Mart layaway option that involves 25% down-payment and the rest of the fee is divided into easy installments spread over a year.

How To Choose The Best Place For Buying Furniture With Bad Credit?

As you can see, there are many places from where you can get furniture with bad credit.

Most of the options that we have discussed above offer free delivery and allow for easy application acceptance to help you in your financially challenging times.

Nonetheless, the best choice from amongst these options will vary from person to person.

Attention! When you are choosing which store to purchase the furniture from, make sure you go through some online reviews and also consider the nearness of the store to your place.

Online reviews provide a good idea about authenticity of the store, their product quality, as well as customer support service. You will get a clear image of how reliable the furniture store is and if you should make an investment there. This is also a great way to avoid falling into trap set up by scammers.

More About Furniture Store And Bad Credit Financing

Below is some more information on how furniture financing works and how you can utilize it to reap maximum benefits.

We found out that most customers were looking into these queries and thus we decided to make their search simpler and gather all the data at one place.

Have a look!

Furniture Financing With No Credit Check

There is no rocket science here! No credit check furniture financing implies that the company will not carry out any scrutiny over your credit report.

Whether the score is good or bad, you will be given an equal chance to apply and be approved for furniture financing.

This is a great opportunity for people who have a lousy credit history. Furthermore, such stores will no report your payments to credit bureaus.

This means that they can not help you improve your credit score but also it would not hu

0% Auto Financing Work

We are sure many readers would have come across this terms for the first time so we will try our best to explain it to you in simplest words.

What Does It Mean? 0% Auto Financing means you will receive funds without any interest terms so you only need to pay back the exact amount that you had borrowed.

The payments are more scattered and the exact period would depend on the lender. 0% financing has become quite popular with furniture stores now although it has more strict qualification criteria.

The agenda of the program is to help you make sustainable payments. However, you should not agree to 0% financing without going through the terms and making sure you can pay off the debt later on. Otherwise, this would severely damage your credit report.

How To Rent Furniture Online

Most customers are not aware but it is possible to avail buy now pay later furniture offers online as well. If you want to set your house up to your liking without having to roam the streets then shopping online is the best shot you have.

Note! Since shopping online is a bit more risky, it is always a good idea to do a thorough background check on the companies you will be purchasing from.

Nonetheless, finding and buying furniture online is easy. You have to search for places that let you rent furniture online and then choose whether you wish to rent or lease the products.

Most customers opt for rent-to-own option as it means that they will eventually own the stuff that they are paying for.

However, you can also choose to lease the furniture if you plan on using it for a short period of time only.

You can select individual items or choose sets as per your need. It all depends on what your house is lacking and how you wish to decorate it.

What Will Happen If You Don’t Pay Rent a Center

Rent a Center is another store that lets you buy furniture and make weekly payments later on. However, it has strict payment terms so you have to be very punctual when doing business here.

What if you don’t pay back on time?

The company will first get in touch with you to remind you of the commitment and demand the money back.

If you don’t have a valid respond, the authorities will get in touch with institutes or guarantors who are managing your finances. They will be informed about your inability to pay back the dues.

Did You Know? Things can get a bit scary if you continue running from your responsibility to pay back Rent a Center. The officers will visit your home and you might even be summoned to a court room for hearing!

Court intervention is not a good thing. It might lead you to pay even more charges that could have been avoided.

One possible outcome of court hearing is that the judge will ask your employer to deduct some amount of money from your monthly pay.

Moreover, your credit score will also take a dip due to late payments and pending dues. You might have to struggle a lot to get your score back on track.

Affordable Bedroom Furniture In The US

All the furniture stores that we have mentioned above provide affordable bedroom furniture that you can check out over the internet as well.

Another interesting choice is your own local carpenter. This is affordable and you can get the job of your choice done by giving him measurements and design that you need. Local carpenters don’t charge as much as international stores and some can do the work just as good!

Did You Know? A drawback here is that such carpenters do not prepare order on loan. You will need to pay them fully. On the other hand, big furniture stores are willing to finance your purchase if you have a poor credit situation.

That is why most customers want to search for bedroom furniture via lending stores instead of individual carpenters.

Nonetheless, your financial standing will determine from where you can afford the furniture that you need.

It is best to opt for supermarkets or stores that allow for flexible payment plans instead of those that demand you make a single payment in full.

Can Financing Furniture Improve Your Credit?

Although it is hardly likely that you will find furniture store that report to credit bureaus, a good financing option can do a lot for your credit score indirectly.

Financing furniture can improve the look of your credit report by giving you a chance to manage your expenses and organize the expenditure so you don’t end up incurring debt or going bankrupt.

Attention! There are furniture stores that report to credit bureaus and can help you improve your credit score fast but this feature is not offered by all of them.

If you opt for furniture financing with a store that reports to credit bureaus such as Experian, your score will first dip as the report would mention that you have borrowed a loan.

However, then onwards, with timely payments and consistent spending behavior in paying back the amount, your score can improve.


As you would already know by now, there is a range of furniture stores with easy credit approval as well as those that offer furniture financing to customers with poor credit score.

However, sometimes you want to look for another way to afford the furniture of your choice with bad credit instead of relying on store financing.

Luckily, you are not out of options when it comes to this. You can make use of credit cards for bad credit score or apply for a personal loan to help you manage finances for the purchase. Let’s look at some of the reliable choices that should try out.

Use of Credit Cards To Buy Furniture With Bad Credit

Use of credit cards is a guaranteed furniture financing technique since there are many options open for poor credit scorers or even those who do not have a credit history at all. You simply need to get in touch with credit card issuers who provide cards on easy-approval terms or with a security deposit. Following are some credit cards open to those with bad credit score that might prove to be helpful.

1. Total Visa Card

Manageable monthly payments
Reports to credit bureaus
Easy and quick application

Required Credit Score: Poor to average
Annual Fee:
Purchase APR:

Total Visa Credit Card is one of our top preferred cards for people who are struggling to maintain their score. It is now available view quick and easy online application.

You can choose payment date of your choice to help you manage the card better. Initially, you may be offered $300 credit limit but it can be improved later on if you successfully maintain timely payments.

Apply Now

2. First Access Visa Card

Report to bureaus
Easy online application
Easy approval

Required Credit Score: Poor
Annual Fee:
Purchase APR:

First Access Visa Card is open to anyone who has an active checking account. You don’t need perfect score to be approved for it. In fact, the online application is quite easy and straightforward.

Cardholders will be give $300 credit limit initially. However, this can be improved depending on your spending habits and how punctually you make payments.

Apply Now

3. Surge Mastercard

Free Vantage score
Easy pre-qualification
Fast application process

Required Credit Score: Poor to average
Annual Fee:
Purchase APR:
25.90% to 29.99% (Variable)

Customers with any type of credit are more than welcome to apply for Surge Mastercard.

It will let you review your credit score for free and also report to the three credit bureaus to help you improve your credit score.

You can apply for the credit card online and will be informed of the authorities’ decision within minutes. Once you are approved, you can instantly start using online account to manage finances and your credit.

Apply Now

4. Credit One Bank Platinum Visa Card

1% cashback reward
$0 Fraud liability
Reports to bureaus

Required Credit Score: Poor to average
Annual Fee:
Purchase APR:
17.99% to 23.99% (Variable)

Credit One Bank is the most reliable credit card issuer in the US. Its Platinum VISA card is a great choice if you wish to go for furniture financing with poor score.

The cards gives you an opportunity to earn 1% cashback on all eligible purchases. It also carries $0 fraud liability so you are safe in case your card is misplaced or stolen. Moreover, Credit One reports to 3 major credit bureaus and will help you fix your score fast if you maintain timely payments.

Apply Now

5. Milestone Mastercard

Easy prequalification
Pretty card design
Reports to credit bureaus

Required Credit Score: Poor credit score
Annual Fee:
Purchase APR:

Milestone Mastercard is an amazing choice for customers with poor credit score who wish to improve it quick. The card reports to the three major credit bureaus and also comes with an online account that is accessible 24/7 for your ease.

Apply Now

Use of Personal Loans For Bad Credit Furniture Financing

Besides furniture store that finance people with bad credit, there is also an option to apply for and make use of personal loan given out by different, reliable banks and financial institutions.

Following is the list of personal loans that you can apply for by visiting their official page.

It will only take 2 minutes! The page will also inform of you of terms and conditions. If you agree and once you are approved, you will be handed over the funds that you can use to shop anywhere you like!

1. MoneyMutual

Loan Amount: Up to $2,500
Interest Rate:

MoneyMutual provides short-term loans within 24 hours of loan application. The form is simple and takes less than 2 minutes to be completed. MoneyMutual is one of the most trustworthy personal loan lender company in the US that currently has more than 2,000,000 customers.

2. BillsHappen

Loan Amount: $500 to $5,000
Interest Rate:

BillsHappen loans money up to $5,000 and you can be approved for it with a single form.

There are multiple payment options to choose from and customers with all types of credit can apply for this personal loan. Keep in mind that you will need a linked bank and Social Security Number for approval.


Loan Amount: $100 to $1,000
Interest Rate:
200% to 2,290%

Cash Advance is a good place to start if you want to loan a small amount for a short term. is a hub for a large network of lenders who would review your application and inform you of the decision right away. If approved, you will receive the money on the very next business day.

4. CashUSA

Loan Amount: $500 to $10,000
Interest Rate:
5.99% to 35.99%

CashUSA lets you apply for a personal loan and find out about the decision of the lender within minutes.

If approved, the funds will be transferred to your account directly. You can then use the money for any purpose. The loan term is from 3 months to 7 months.

Wrap Up

A house isn’t complete without the furniture of your choice and nothing should stop you from decorating it in the manner you want. Thanks to bad credit furniture financing that some impeccable stores offer, now it is possible to buy furniture even if you lack sufficient amount of money.

Such institutes will help you buy your favorite bed and chairs regardless of the poor credit score that you might have. They have proven to be quite useful for customers who can not afford to purchase all this stuff due to financial burden.

Hopefully, you will have great experience if you decide to give one of these stores a try. Don’t forget to share your remarks with us in the comment section below!

Frequently Asked Questions About Bad Credit Furniture Financing

Does Ashley furniture finance bad credit?

Yes. Ashley store features bad credit furniture financing. Furthermore, it offers Ashley furniture no credit check financing to make it easier for customers with poor credit history to buy furniture of their choice.

How can I find bad credit furniture stores near me?

There are a number of furniture stores that finance people with bad credit. We have discussed the list above in detail. You can choose a store of your choice and then find its location on Google Map. We are sure some of these would be located near to your place!

Is it possible to find bad credit furniture stores online?

Yes, absolutely! Most of the stores that we have mentioned above have online outlets as well. Just make sure you are using their official website at the time of the purchase.