“Bad Credit” Furniture Financing (Top 14 Options)

Bad Credit Furniture Financing
GUIDE
Amber Brooks
By: Amber Brooks
Updated: June 23, 2020
Advertiser Disclosure

While you could save money by not buying furniture for your home, you’d soon grow tired of sitting on the floor, eating over the sink, or sleeping on just a mattress. A home should be a sanctuary, not a place of discomfort and discontent.

You may think you can’t afford furniture, but furnishing your home doesn’t have to be a financial nightmare. There are a variety of financing options you can take advantage of. Even with poor credit, you can still get financing through a furniture store, a personal loan, or a credit card. So, bad credit furniture financing options are possible when you know where to look, do you can invite guests over with confidence and pride in your fully furnished home.

We’ve outlined 14 options that get you financing to buy furniture for your home, and some can even help improve your credit score if you make your payments on time.

In-Store Furniture Financing (Options #1-4)

Even with bad credit, you can get financing directly from certain furniture stores. The following stores provide payment plans for customers with all types of credit:

FlexShopper Logo1. FlexShopper offers lease-to-own financing on thousands of items, including furniture for every room, with flexible credit requirements. FlexShopper requires no money down from qualified applicants but may require a small deposit and/or payment from a small portion of users. You’ll need to earn at least $1,000 a month and have a bank account to qualify.

Jack's Warehouse.com logo2. Jack’s Warehouse provides financing with no credit check. You might also qualify for no-interest payments for the first 90 days. For financing, you’ll need a checking account and proof of six months’ employment. Jack’s Warehouse will ship anywhere in the contiguous U.S.

Bob's Discount Furniture logo3. Bob’s Discount Furniture lets customers select a monthly payment plan that works for them, and the No-Credit-Needed Payment Option offers the chance to build a good credit history. This option can be applied for online but can’t be used for online purchases. My Bob’s Card requires a credit check before offering a line of credit.

Furniture Mart logo4. Furniture Mart has three financing options, all easily accessed online. Special financing via a Furniture Mart USA Credit Card is available for anywhere from six to 60 months. Furniture Mart’s leasing plan has a flexible payment schedule with no minimum credit score necessary. There’s also a layaway option that requires a 25% downpayment.

The downside of store financing is the potentially high interest rates attached. You could strain your budget paying interest over time. You’re also limited by the furniture store’s policy and its various requirements. Before applying, read through the details of the plan so that you know exactly what you’re signing up for.

Personal Loans for Bad Credit (Options #5-9)

Rather than store-specific financing, you can get a more general personal loan for some extra cash that can be used at any furniture store you like. The following five lenders have been reviewed by our experts and rated as helpful options for you:

  • Short-term loans up to $2,500
  • Online marketplace of lenders
  • Funds available in as few as 24 hours
  • Simple online form takes less than 5 minutes
  • Trusted by more than 2,000,000 customers
  • Not available in NY or CT
  • Click here for official site, terms, and details.
★★★★★

4.8

Overall Rating

Loan Amount Interest Rate Loan Term Loan Example
Up to $2,500 Varies Varies

See representative example

   
★★★★★

4.7

Overall Rating

Loan Amount Interest Rate Loan Term Loan Example
$500 to $10,000 5.99% - 35.99% 3 to 72 Months

See representative example

The above options are able to provide installment loans — if you qualify — where you’re able to pay your loan off over an extended period of time, whereas the below options specialize in short-term loans of up to $1,000.

  • Short-term loan of $100 to $1,000
  • Bad credit is welcomed
  • Large network of lenders
  • Loan decision as fast as a few minutes; funding as soon as next business day
  • Required: Income of $1000+/month and at least 90 days on job
  • Click here for official site, terms, and details.
             
★★★★

3.9

Overall Rating

Loan Amount Interest Rate Loan Term Loan Example
$100 to $1,000 200% - 2,290% Varies

See representative example

  • Short-term loans up to $2,500
  • Online marketplace of lenders
  • Funds available in as few as 24 hours
  • Simple online form takes less than 5 minutes
  • Trusted by more than 2,000,000 customers
  • Not available in NY or CT
  • Click here for official site, terms, and details.
★★★★★

4.8

Overall Rating

Loan Amount Interest Rate Loan Term Loan Example
Up to $2,500 Varies Varies

See representative example

It only takes a few minutes to apply for a personal loan on these websites. By completing an application you’ll be presented with loan terms for your review, and you’re never obligated to accept a loan. Once approved, you can shop anywhere you like!

Credit Cards for Bad Credit (Options #10-14)

You can always turn to credit card companies to finance you, and just like with a personal loan, this option allows you to use your money wherever and whenever. Below, we’ve reviewed and rated five credit cards meant for those with poor credit. (Note that use is subject to available credit.)

  • Checking Account Required
  • Fast and easy application process; response provided in seconds
  • A genuine Visa credit card accepted by merchants nationwide across the USA and online
  • Manageable monthly payments
  • $300 credit limit (subject to available credit)
  • Reports monthly to all three major credit bureaus
  • Click here for official site, terms, and details.
★★★★★

4.5

Overall Rating

Interest Rate In Business Since Form Length Loan Example
See terms 9 Minutes

See representative example

  • All credit types welcome to apply!
  • Free access to your Vantage 3.0 score From TransUnion* (When you sign up for e-statements)
  • Monthly reporting to the three major credit bureaus
  • See if you're Pre-Qualified without impacting your credit score
  • Fast and easy application process; results in seconds
  • Free online account access 24/7
  • Checking Account Required
  • Click here for official site, terms, and details.
★★★★★

4.8

Overall Rating

Application Length Interest Rate Reports Monthly Reputation Score
9 Minutes 25.90%-29.99% Yes 8.5/10
  • Checking Account Required
  • Reporting monthly to all three major credit reporting agencies
  • Perfect credit not required for approval; we may approve you when others won’t
  • Easy and secure online application
  • $300 credit limit (subject to available credit)
  • The First Access Visa Card is issued by The Bank of Missouri pursuant to a license from Visa U.S.A. Inc.
  • Click here for official site, terms, and details.
★★★★

4.3

Overall Rating

Application Length Interest Rate Reports Monthly Reputation Score
10 Minutes See Terms Yes 8.0/10

The following two cards are still great options for anyone, particularly with bad credit, seeking credit to finance anything — not just furniture. And with on-time payments, can help rebuild your credit score over time.

  • Find out if you Pre-Qualify without harming your credit score
  • Earn 1% cash back rewards on eligible gas, grocery purchases and mobile phone, internet, cable and satellite TV services. Terms apply.
  • Get a credit line between $300 and $3,000 based on your credit history
  • Accounts are automatically reviewed for credit line increase opportunities
  • Choose your monthly payment due date for added convenience, terms apply
  • With $0 Fraud Liability, you won’t be responsible for unauthorized charges
  • Manage your account on-the-go with the Credit One Bank mobile app
  • Looking to rebuild credit? We report to the major credit bureaus monthly
  • View your Experian credit score online for free, terms apply
  • Click here for official site, terms, and details.
★★★★

4.3

Overall Rating

Application Length Interest Rate Reports Monthly Reputation Score
8 minutes 17.99% to 23.99% Variable Yes 9.0/10
  • Prequalify for a card today and it will not impact your credit score
  • Less than perfect credit is okay
  • 24/7 access to your account information, even on mobile
  • Card designs to fit your personality at no extra charge
  • Account history is reported to the three major credit bureaus in the U.S.
  • Click here for official site, terms, and details.
★★★★

4.2

Overall Rating

Application Length Interest Rate Reports Monthly Reputation Score
8 minutes 24.9% Yes 9.0/10

+See More Credit Cards for Bad Credit

Remember that these credit card companies will have to check your credit in order to approve you. With a credit card, your purchasing power increases, allowing you to buy more than just furniture. Of course, this is borrowed money that you’ll have to pay back because you don’t want interest payments to pile up on you. As long as you make your payments on time, however, you can avoid paying interest entirely.

Furnish Your Home Affordably

With these financing options, you can stop sleeping on the floor and rest in affordable comfort in your very own bed, sofa, or oh-so-cozy armchair. Start designing your home the way you want it by financing your furniture purchases using any of the 14 resources we’ve recommended.

Whether it’s from the store itself, a personal loan, or a credit card company, you have choices for financing — even with poor credit history. No matter what your credit score is, you can still get the furniture you want and deserve by taking advantage of these generous borrowing options. Choose wisely!

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