Best Bad Credit Furniture Financing Options in 2024

Bad Credit Furniture Financing

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:

1. FlexShopper

FlexShopper Logo

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.

2. Aaron’s

Aaron's LogoAaron’s

is a lease-to-own option that doesn’t have minimum credit score requirements.  Aaron’s offers “lease ownership” plans of 12, 18, or 24 months to help make the purchase amount manageable. You can choose your payment due date when you set up automatic payments. It offers a wide selection of brand-name products.

3. Bob’s Discount Furniture

Bob's Discount Furniture logoBob’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 financing 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.

4. Furniture Mart

Furniture Mart logoFurniture Mart

offers three financing options, all easily accessed online. Special financing via The Furniture Mart Credit Card is available for anywhere from six to 72 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. There are a mix of installment loan providers and short-term lenders, so be sure to choose your loan terms carefully.

  • Short-term loans up to $5,000
  • 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 million customers
  • See official site, terms, and details.
★★★★★

4.8

Overall Rating

Loan Amount Interest Rate Loan Term Loan Example
Up to $5,000 Varies Varies

See representative example

6. Avant

  • Personal loans of $2,000 to $35,000
  • Compare rates in 2 minutes without affecting your credit
  • Best for low origination fees for bad credit
  • 550 minimum credit score required
  • Powered by Credible
  • See official site, terms, and details.
★★★★★

4.7

Overall Rating

Loan Amount Interest Rate Loan Term Loan Example
$2,000 to $35,000 9.95% - 35.99% 12 to 60 Months

See representative example

7. Upstart

  • Personal loans starting at $1,000
  • Find loans you prequalify for, complete your application, and close your loan
  • Loans for 300+ FICO Scores
  • Checking rates doesn't impact your credit score
  • Powered by Credible
  • See official site, terms, and details.
★★★★★

4.7

Overall Rating

Loan Amount Interest Rate Loan Term Loan Example
$1,000 to $50,000 6.40% - 35.99% 3 or 5 Years

See representative example

  • Personal loans from $500 to $35,000
  • All credit types are considered and welcome
  • Simple, no credit impact form
  • Helping consumers since 2001
  • 4.7 out of 5 Trustpilot rating with 2,000+ reviews!
  • See official site, terms, and details.
★★★★★

4.7

Overall Rating

Loan Amount Interest Rate Loan Term Loan Example
$500 to $35,000 5.99% - 35.99% 60 Days to 72 Months

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.)

  • Up to $1,000 credit limit doubles up to $2,000! (Simply make your first 6 monthly minimum payments on time)
  • All credit types welcome to apply!
  • Monthly Credit Score – Sign up for electronic statements, and get your Vantage 3.0 Score Credit Score From Experian
  • Initial Credit Limit of $300 – $1,000 (subject to available credit)
  • 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
  • Online account access 24/7
  • Checking Account Required
★★★★★

4.5

Overall Rating

Interest Rate In Business Since Form Length Loan Example
35.90% Fixed 9 minutes

See representative example

  • Earn 3% Cash Back Rewards* on Gas, Groceries and Utility Bill Payments
  • Earn 1% Cash Back Rewards* on all other eligible purchases
  • Up to $1,000 credit limit subject to credit approval
  • Prequalify** without affecting your credit score
  • No security deposit
  • Free access to your VantageScore 4.0 score from TransUnion®†
    *See Program Terms for important information about the cash back rewards program.
    ** Prequalify means that you authorize us to make a soft inquiry (that will not affect your credit) to create an offer. If you accept an offer a hard inquiry will be made. Final approval is not guaranteed if you do not meet all applicable criteria (including adequate proof of ability to repay). Income verification through access to your bank account information may be required.
    † Your credit score will be available in your online account starting 60 days after your account is opened. (Registration required.) The free VantageScore 4.0 credit score provided by TransUnion® is for educational purposes only. This score may not be used by The Bank of Missouri (the issuer of this card) or other creditors to make credit decisions.
★★★★★

4.7

Overall Rating

Application Length Interest Rate Reports Monthly Reputation Score
7 minutes 29.99% or 36% Fixed Yes 8.0/10
  • Earn 3% Cash Back Rewards* on Gas, Groceries and Utility Bill Payments
  • Earn 1% Cash Back Rewards* on all other eligible purchases
  • Good anywhere Mastercard® is accepted
  • $0 fraud liability**
  • Free access to your VantageScore 4.0 credit score from TransUnion®†
    *See Program Terms for important information about the cash back rewards program.
    **Fraud liability subject to Mastercard® rules.
    † Your credit score will be available in your online account starting 60 days after your account is opened. (Registration required.) The free VantageScore 4.0 credit score provided by TransUnion® is for educational purposes only. This score may not be used by The Bank of Missouri (the issuer of this card) or other creditors to make credit decisions.
★★★★★

4.7

Overall Rating

Application Length Interest Rate Reports Monthly Reputation Score
7 minutes 29.99% or 36% Fixed Yes 8.0/10
  • Up to $1,000 credit limit doubles up to $2,000! (Simply make your first 6 monthly minimum payments on time)
  • See if you’re Pre-Qualified with no impact to your credit score
  • All credit types welcome to apply
  • Access to your Vantage 3.0 score from Experian (When you sign up for e-statements)
  • Initial Credit Limit of $300 – $1,000 (subject to available credit)
  • Monthly reporting to the three major credit bureaus
  • Fast and easy application process; results in seconds
  • Use your card at locations everywhere Mastercard® is accepted
  • Checking Account Required
★★★★★

4.5

Overall Rating

Application Length Interest Rate Reports Monthly Reputation Score
8 minutes 35.90% Fixed Yes 8.0/10
  • Earn 1% cash back rewards^^ on payments made to your Revvi Credit Card
  • Perfect credit not required
  • $300 credit limit (subject to available credit)
  • Checking account required
  • Opportunity to request credit limit increase after twelve months, fee applies
  • *See Rates, Fees, Costs & Limitations for complete offer details
  • ^^See Revvi Rewards Programs Terms & Conditions for details
★★★★★

4.7

Overall Rating

Application Length Interest Rate Reports Monthly Reputation Score
8 minutes 35.99%* Yes 8.0/10

+See More Credit Cards for Bad Credit

Remember that these credit card companies will have to check your credit 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.

But 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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