Furniture Stores With Easy Credit Approval – Complete List!

Getting good furniture for their home is everyone’s dream, isn’t it? But quality furniture is difficult to obtain as it can be extremely expensive. That’s why various furniture retailers have developed purchase strategies like the use of credit cards, even with bad credit. Scroll down, as we will walk you through the top furniture stores with easy credit approval below.

Furniture Stores With Easy Credit Approval – At A Glance

Good furniture isn’t easy to acquire as it may cost you a fortune. This is even difficult for people undergoing hard economic times. In this regard, different furniture stores introduced various purchase plans to tap the market.

One of those methods is the use of credit cards. Sadly, those who have a strong credit history avail of this strategy. People with bad credit are left out and may search for furniture stores that offer easy credit approval.

But don’t you worry! A few retailers will sell you furniture on credit without considering your credit history. They provide quick credit approval; these stores have easy application procedures and give quick approval decisions. It is usually done within a few minutes of requesting.

This enables you to buy substantial furniture without paying the entire amount upfront, going through a time-consuming application process, or having to wait a few days for approval.

List Of Top Furniture Stores With Easy Credit Approval

The list of stores we’ve provided below includes details on the funding options and application procedure. Moreover, we have given some criteria you may use to select the retailer that best suits your requirements These retailers also offer quick and simple credit approval. We have put the best-known and most affordable stores first.

1. Wayfair

• Retail locations: No.
• Options for Financing: Plans available through Affirm for three, six, and twelve months.
• Minimum requirement for Credit: It considers Multiple criteria; there is no fixed requirement.
• Required down payment: If Affirm becomes unable to fund the entire amount, a down payment may occasionally be necessary.
• Minimum purchase Limit: None
• : Select the financing option at the checkout when shopping on the Wayfair website.

2. Ashley Home-Store

• Retail locations: Available
• Options for Financing: Plans with six, twelve-, or sixty-months notice or progressive leasing.
• Progressive Leasing considers a variety of factors; other unique financing plans take a different approach.
• Required down payment: None.
• Minimum purchase Limit: Depends on the type of financing.
• Procedure to apply: Complete the online credit application for Ashley Home-Store before or during checkout.

3. La-Z-Boy

• Retail locations: Available
• Options for Financing: The La-Z-Boy Furniture Gallery credit card offers unique 12-month financing.
• Minimum requirement for Credit: Fair
• Required down payment: 35% for special order goods; none for regular fully financed purchases.
• Minimum purchase Limit: Depending on the store and the current financing specials.
• Procedure to apply: Apply in-person or online for a credit card from La-Z-Boy Furniture Galleries.

4. Crate & Barrel

• Retail locations: Available
• Options for Financing: Special financing options of six, twelve, and twenty-four months, as well as Reward Dollars with a Crate & Barrel Credit Card.
• Minimum requirement for Credit: Fair
• Required down payment: None
• Minimum purchase Limit: For the no-interest plan, there is no minimum purchase requirement for Reward Dollars, however, there are six-month offers for purchases above $749, twelve-month offers for sales between $1,499 and $2,999, and twenty-four-month offers for purchases of $2,999 or more.
• Procedure to apply: Apply in-person or online for a credit card from Crate & Barrel.

5. Ethan Allen

• Retail locations: Available
• Options for Financing: Plans for six, twelve, twenty-four, and thirty-six months using the Ethan Allen Platinum Card.
• Required Minimum requirement for Credit: Fair.
• Required Down payment: None.
• Minimum purchase Limit: The six-month, 12-month, and 24-month plans have no minimum; the 36-month plan has a minimum of $1,500.
• Procedure to apply: Apply for the Ethan Allen Platinum Card online.

6. RC Willey

• Retail locations: Available.
• Plans for 12 and 18 months.
• Minimum requirement for Credit: Fair.
• Required Down payment: None.
• Minimum purchase Limit: Plans for 12 months cost $299; plans for 18 months cost $1,999.
• Procedure to apply: Apply online for RC Willey Credit.

7. Raymour & Flanigan

• Retail locations: Available.
• Options for Financing: Plans for six, twelve, eighteen, thirty-six, forty-eight, and sixty months.
• Minimum requirement for Credit: It considers Multiple criteria; there is no fixed requirement.
• Required Down payment: None.
• Minimum purchase Limit: Plans with a 12-month term cost $300, those with 36-month terms cost $900, those with 48-month terms cost $1,200, and those with 60-month terms cost $1,500.
• Procedure to apply: Apply in person or online with the Raymour & Flanigan Credit Agreement.

8. RH Furniture

• Retail locations: Available.
• Options for Financing: Preferred Financing, Standard Financing, and Outlet In-Store Financing are all options under the RH
• Minimum requirement for Credit: The issuing bank has not disclosed (Comenity Capital Bank).
• Required Down payment: None.
• Minimum purchase Limit: None.
• Procedure to apply: Complete the RH Credit Account Application online.

9. Coleman Furniture

• Retail locations: No
• Options for Financing: Plans for the next three, six, and twelve months.
• Minimum requirement for Credit: Unsatisfactory; Affirm runs a “soft” credit check that has no impact on your credit rating. For approval, it considers several aspects.
• Required Down payment: If it is not able to fund the entire amount, a down payment could occasionally be necessary. Most purchasers have complete financing.
• Minimum purchase Limit: None.
• Procedure to apply to select the financing option at checkout when shopping on the Coleman Furniture website.

10. Atlantic Bedding & Furniture

• Retail locations: Available.
• Options for Financing: It offers Progressive Leasing .
• Minimum requirement for Credit: Progressive takes several criteria into account, including income and banking history, without requiring a credit.
• Required Down payment: Initial payment of $49 after approval.
• None.
• Procedure to apply: Fill out the application form online.

11. Big Lots

• Retail locations: Available.
• Options for Financing: It offers Progressive Leasing .
• Minimum requirement for Credit: Not required. However, you must be at least 18 years old, do have a valid Social Security number / ISIN, have the routing number for an open, active bank account, and have a debit or credit card. 
• Required Down payment: First lease payment payable with purchase, with a minimum of $49.
• Minimum purchase Limit: 150 Dollars.
• Procedure to apply: Apply online or in person for Big Lots Easy Leasing from Progressive.

12. Conn’s Home Plus

• Retail locations: Available.
• Options for Financing: It offers Progressive Leasing.
• Minimum requirement for Credit: Progressive considers several characteristics, including income and banking history, without requiring a credit.
• Required Down payment: The first installment is due at the time of purchase.
• Minimum purchase Limit: 300 Dollars.
• Apply online at Progressive Leasing’s Yes Lease page by completing the form.

13. Jordan’s Furniture

• Retail locations: Available.
• Options for Financing: Plans for six, twelve, twenty-four, thirty-six, forty-eight, and sixty months.
• Minimum requirement for Credit: Fair.
• Required Down payment: None; 30% for item hold requests.
• Minimum purchase Limit: None.
• Procedure to apply: Apply for credit with Jordan’s Furniture online.

14. Shop Factory Direct

• Retail locations: No
• Options for Financing: It offers Progressive Leasing.
• Minimum requirement for Credit: Not required. However, you must be at least 18 years old, have a valid Social Security number / ISIN, the routing number for an open, active bank account, and a debit or credit card. 
• Required Down payment: It requires a first lease payment at the time of purchase.
• Minimum purchase Limit: None.
• Procedure to apply: Fill out Shop Factory Direct’s online application for progressive leasing.

You might be interested in reading: Afterpay Furniture Stores that let you buy now pay later.

Recommended Furniture Stores With Easy Credit Approval

You may want to get a store credit card if your credit score is at or above the “fair” range (usually about 580 or above) to receive access to interest-free funding options.

Both La-Z-Boy and Crate & Barrel have a reputation for offering high-quality furniture at a variety of price ranges and both companies provide special financing through their store credit cards.

• Your preferences and credit history will eventually determine which furniture store you go with. But if you want an opinion, here it is!

Wayfair is probably your best choice if you have bad credit but wish to have access to a large range of furniture at affordable costs. Its collaboration with Affirm enables it to approve loans for most consumers, and on-time payments will boost your credit. If you prefer to buy furniture in a physical store, you might want to think about Ashley Home-Store. It depends upon your credit history and offers long-term financing choices or no-credit-needed progressive leasing.

Benefits Of Furniture Stores With Easy Credit Approval

Many of these stores provide financing solutions specifically for consumers with bad credit or even no credit history. Even though most of them do not have rigorous credit requirements.

Some don’t even run a credit check, it is that much convenient. On the other hand, typical financing alternatives include store credit cards, long-term customized financing programs that often have no interest or low interest, or lease-to-own options offered by Progressive Leasing, which is a third-party payment provider.

Progressive Leasing allows you to instantly take the item home and do the payments over time until you have fully paid for (and obtained ownership of) the item. You can submit Progressive Leasing applications just at the point of purchase.

To provide financing for clients with bad credit, some of the retailers listed below have partnered with the finance provider Affirm. You must handle Affirm financing applications separately. However, most retailers allow customers to do so directly from the checkout page. On-time payments can help you build credit because Affirm informs the main credit agency Experian.

Things To Watch Out

You should proceed carefully before agreeing to these stores which approve bad credit furniture financing. We advise you to read the payment schedule and all their terms and conditions and make sure you abide by them strictly.

Even a little violation of the agreement could put your finances in considerable jeopardy and even result in an auction. Negative credit bureau listings which will lower your credit score are another drawback.

Alternatives For In-store Furniture Credit

You have the choice to borrow from another source to shop wherever you choose rather than settling for in-store credit. These are services that will lend you money at a specific interest rate so you can purchase your furniture or use it for other purposes. Let’s look at a few of the best-known lenders who can help you even if your credit is bad.

Money-Mutual

You can get a quick loan from Money-Mutual for up to $2,500. They offer an online application site where you can submit your request, and it gets quick approval. The company serves a sizable customer base of almost 2,000,000 people. This figure demonstrates the confidence clients have in their offerings, which is positive when selecting a financier. Therefore, if the cost of the furniture you require is within this range, you may apply for a 24-hour Money Mutual short loan. But, the main drawback of Money-Mutual is that it does not provide its services in Connecticut and New York.

CashUSA

You can apply for anything up to $10,000 at a reasonable interest rate. Interest rates at CashUSA.com range from 5.99% to 35.99%. As a result, you can use this loan at home for anything other than only buying furniture.

The money will be in your account quickly if you are successful. The good news is that CashUSA accepts all forms of credit, so you don’t need to be worried if your credit is less than perfect. You have three to seventy-two months, depending on the terms of the agreement to pay back the loan if you are successful in getting it.

Cash Advance

The Cash Advance allows you to obtain a $1,000 short-term loan despite having bad credit. It’s a good thing that everything happens quickly because it eliminates the need for days of waiting. The high-interest rates and subsequent compressed repayment period should be considered by anyone thinking of applying for this loan.

The Bottom Line

With all these possibilities, no one should be required to live in an empty home due to prolonged credit approval processes. If you’re not persuaded by the in-store credit option, you can choose to borrow money from lenders to buy the furnishings you want.

• As your credit history grows, you’ll see that dealing directly with the stores can be preferable.

You also pay a small amount or none in interest, if you pay off all your debts on schedule. As opposed to lenders, who need interest payments regardless of what you do because they are in the interest business.

Frequently Asked Questions

Is it simple to obtain approval for Ashley Furniture?

It is simple to get authorized for this card if your credit score is higher than 650. It is well known that Synchrony Bank has a high approval rate. Applying in person or online will get you authorized in less than a minute!

What credit score is required for Wayfair?

It is advised to have a FICO® Score of 580 or better before applying for the Wayfair Credit Card. Considering the feedback from prior applications, shoppers in this category have a good chance of being approved. You will be given consideration when you apply both for the Wayfair Credit Card as well as the Wayfair Mastercard®.

Do they offer “buy now, pay later” at Ashley Furniture?

Yes! With Zip, formerly known as Quadpay, you may purchase your preferred brands today and pay later. Utilize the Zip app to split your purchase into 4 equal payments spread over 6 weeks.

What credit score is required for Big Lots?

The Big Lots Credit Card would execute a hard pull. To qualify, you must have a credit rating of at least 640, which is comparable to the minimum for most retail cards. The Big Lots Credit Card cannot be pre-qualified for generally a hard pull.