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

Furniture adds the last touch of comfort you need in your house, so we think everybody should have the opportunity to buy the products of their choice regardless of their financial standing. When we found out that furniture store finance had terrible credit, we thought a review was due that could benefit all our readers who were seeking help! 

1. Ashley’s Furniture, Flexshopper, and Furniture Mart are the most prominent stores where you can get financing with bad credit.
2.Other than that personal loans and credit cards are a good options if you want to score financing with poor credit score.
3.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.
…and Much More!

What Really Is Bad Credit Furniture Financing?

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.

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

Several furniture stores have now started financing programs allowing customers with poor credit scores 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 Financing Online With Bad Credit

The online application requires a smartphone or a computer with a working, stable internet connection.

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

It would help if you went through their official websites and read about the terms and 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 must sign up at their site and provide some of your personal information, such as email ID, full name, contact address, and contact number.

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

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

Then you 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.

Best Place To Finance Furniture With Bad Credit

You can find furniture at multiple stores across the nation.

However, we aim to highlight the places that finance people with poor credit scores and allow them to pay regularly until they complete the due bill, making it easier to afford the products they choose.

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

You must have heard of Ashley Furniture’s no-credit-check financing with bad credit, but other places can do 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 a bad score by allowing them to pay in instalments.

Top 12 Furniture Store That Finance People With Bad Credit

After much scrutiny, we have compiled our list of the 12 best places that offer furniture financing with bad credit.

All of these are reliable furniture stores that have been in business for a long. Let’s look at the best furniture store financing with bad credit!

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 first time we ever came across the concept of furniture financing was when we found out that Ashley furniture finance had terrible credit. Yes, it is pretty 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 scores.

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

Apply Now

2. FlexShopper

This store offers a lease-to-own plan with minimal credit requirements. 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 monthly, twice a month or every week.

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 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 a wide range of their furniture collection according to your taste and receive it on your doorstep immediately.

Apply Now

4. Conn’s HomePlus

This is another excellent option among leading furniture stores for credit financing. The furniture options are many, and you can opt for retail instalment 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 need to complete their application online and choose the flexible 90-day payment option at 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 get the approval quickly.

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

You might be interested in reading: Furniture Stores That Take Away Old Furniture.

6. New Lots Furniture

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

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 a 95% chance of approval. It is one of the furniture stores with the most straightforward credit approval. You can acquire the furniture you need on lease and get a 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 out the simple online application.

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

8. Bob Mills Furniture

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

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

To be eligible for their financing program, you need to show 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 use Bob’s credit rebuilding feature if you have a poor or no credit history.

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

Bob’s Discount Furniture has a straightforward application that lets you quickly purchase the furniture of your choice in a short time.

This store is one of the best options that you can make use of when you need help building a good credit history.

10. Winner Furniture

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

Its collection has surpassed some of the leading brands in Southern Indiana and Kentucky.

The store needs to set a very high qualification bar to ensure that everybody gets a chance to purchase furniture without struggle.

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

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

11. Jack’s Warehouse

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

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

After that, you are free to proceed with lousy 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 can be used by customers older than six months.
  • The leasing plan is meant for users with poor credit scores and offers a flexible payment schedule.
  • The Furniture Mart layaway option involves a 25% down payment, and the rest of the fee is divided into easy instalments spread over a year.

Use of Personal Loans For Bad Credit Furniture Financing

Besides furniture stores that finance people with bad credit, there is also an option to apply for and use personal loans from different, reliable banks and financial institutions.

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

It will only take 2 minutes! The page will also inform you of the 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 companies in the US, with more than 2,000,000 customers.

2. BillsHappen

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

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

There are multiple payment options, and customers with all types of credit can apply for this personal loan. Remember 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 an excellent place to start if you want to loan a small amount for a short term. is a hub for an extensive 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 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 lender’s decision 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.


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

The site gets you content with different suitable lenders. You will get the funds quickly upon approval, sometimes as early as the next business day. The loan terms typically vary between 3 to 60 months.


Loan Amount: $100 to $20,000
Interest Rate:
Varies gives credit decisions within 2 minutes of application. Quite convenient, right? If approved, the funds will be deposited into your account in 24 hours.

You can use the funds for all types of purchases. Moreover, there are no hidden fees, and loan terms may vary.

7. 24/7 Lending Group

Loan Amount: $500 to $35,000
Interest Rate: 5.99% to 35.99%

Regardless of the credit types and scores, you can apply and secure a personal loan from 24/7 Lending Group. The loan terms are typically between 60 days to 72 months, depending on the amount you owe.

Use of Credit Cards To Buy Furniture With Bad Credit

The 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 must contact 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 scores that might 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 struggling to maintain their score. It is now available as a quick and easy online application.

You can choose a payment date to help you manage the card better. Initially, you may be offered a $300 credit limit, but it can be improved later 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 with an active checking account. You don’t need a perfect score to be approved for it. The online application is relatively straightforward.

Cardholders will be given a $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 credit are more than welcome to apply for Surge Mastercard.
It will let you review your credit score for free and 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 approved, you can instantly use the online account to manage your finances and 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 an excellent choice if you wish to go for furniture financing with a poor score.

The cards allow you to earn 1% cashback on all eligible purchases. It also carries $0 fraud liability, so you are safe if 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 a fantastic choice for customers with poor credit scores who wish to improve it quickly. 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

6. Revvi Card

1% cash back rewards on all types of payments.
Credit limit increase in just a year.
Reports credit standing monthly.

Required Credit Score: Average to good credit score
Annual Fee:
Purchase APR:

Revvi credit card gives you a credit limit of up to $300, but it depends on your credit standing. It will take you less than 8 minutes to complete the application online.

7. Reflex Platinum Mastercard

$300 – $1,000 initial credit limit.
Welcomes all types of credit scores
Checking account is required.

Required Credit Score: Poor to perfect
Annual Fee:
$75 – $125
Purchase APR:
29.99% (Variable)

You can apply for a Reflex Platinum Mastercard online in less than 10 minutes. The best part is that the credit limit goes up from $1,000 to $2,000 if you make timely payments for the first six months.

Credit cardholders can access the Vantage 3.0 score from Experian when they sign up for e-statements. It reports to the three major credit bureaus so that you can see an improvement in credit scores with good spending habits.

Moreover, the card can be used at all locations where Mastercard is accepted.

8. Fortiva Mastercard Credit Card

3% cash back rewards on gas, groceries, and utility bills.
1 % cash back rewards on all eligible purchases.
$0 fraud liability.

Required Credit Score: Poor to average
Annual Fee:
Purchase APR:
29.99% to 36% (Fixed)

Fortiva credit card can be used anywhere a Mastercard is accepted. It is one of the best options for furniture financing on top of the fantastic cash-back offers that it hosts.

Moreover, the cardholders will have free access to the VantageScore 4.0 score from TransUnion.

9. Aspire Cash Back Reward Card

3% cash back rewards on gas, groceries, and utility bills.
1 % cash back rewards on all eligible purchases.
Up to $1,000 credit limit.

Required Credit Score: Poor to average 
Annual Fee: $49
Purchase APR: 29.99% to 36% (Fixed)

You can prequalify for the Aspire cash-back reward credit card without affecting your score. Moreover, it does not require a security deposit. You can complete the application online in just 7 minutes.

Extra Reading

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

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

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

Nonetheless, the best choice among 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 the authenticity of the store, its 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 invest there. This is also a great way to avoid falling into the trap set up by scammers.

You might be interested in reading: Furniture Stores With Military Discounts.

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 an excellent opportunity for people who have a lousy credit history. Furthermore, such stores will not report your payments to credit bureaus.

0% Auto Financing

We are sure many readers have come across these terms for the first time, so we will try our best to explain them to you in the most straightforward 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 amount you 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 only agree to 0% financing after 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 need to be made aware, but it is possible to avail of 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 furniture, no credit check, and no down payment option, which means they will eventually own the stuff they are paying for.

However, you can also lease the furniture if you use it for a short period only.

You can select individual items or choose sets as per your needs. It all depends on what your house lacks 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. However, it has strict payment terms, so you must be punctual when doing business here.

What if you need to pay back on time?

The company will first contact you to remind you of the commitment and demand the money back.

If you don’t have a valid response, 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 a court hearing is that the judge will ask your employer to deduct some 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 to get your score back on track.

Can Financing Furniture Improve Your Credit?

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

Financing options like buy now and pay later can improve your credit report by allowing you to manage your expenses and organize the expenditures 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 only offered by some 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 behaviour in paying back the amount, your score can improve.

Affordable Bedroom Furniture In The US

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

Another interesting choice is your local carpenter. This is affordable, and you can get the job of your choice done by giving him the measurements and design that you need. Local carpenters charge less than international stores, and some can do the work as well!

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 where you can afford the necessary furniture.

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

The Bottom Line

A house is only complete with 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, it is possible to buy furniture even if you need more money.

Such institutes will help you buy your favourite bed and chairs regardless of the poor credit score that you might have. They have proven helpful for customers who can only afford to purchase some of this stuff due to financial burden.

Hopefully, you will have a great experience if you decide to give one of these stores a try. Remember to share your remarks with us in the comment section below!

Frequently Asked Questions About Bad Credit Furniture Financing

Does Ashley Furniture finance terrible credit? 

Yes. Ashley’s store needs better 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?

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

Is it possible to not check furniture financing 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.