Writer: Amber Brooks
Editor: Lillian Guevara-Castro
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 feel like a financial nightmare. You have several financing options to consider. Even with poor credit, you may still qualify through a furniture store, a personal loan, or a credit card. The key is knowing where to look so you can furnish your space and welcome guests with confidence.
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 may still be able to get financing straight from certain furniture stores. Here are a few retailers that offer payment plans for shoppers across a wide range of credit backgrounds:
1. FlexShopper
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 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 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 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.
One drawback of store financing is that interest rates can be high. Over time, those charges can put pressure on your budget. You’re also bound by each store’s financing policy and specific requirements. Before you apply, look over the terms carefully so you understand exactly what you’re agreeing to.
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.
- 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.
| Loan Amount | Interest Rate | Loan Term | Loan Example |
|---|---|---|---|
| $500 to $35,000 | 5.99% - 35.99% | 60 Days to 72 Months | See representative example |
6. MoneyMutual
- 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.
| Loan Amount | Interest Rate | Loan Term | Loan Example |
|---|---|---|---|
| Up to $5,000 | Varies | Varies | See representative example |
- Loans from $250 to $35,000
- Large lender network
- Fast loan decision
- Use the loan for any purpose
- Funding as soon as one business day, if approved
- See official site, terms, and details.
| Loan Amount | Interest Rate | Loan Term | Loan Example |
|---|---|---|---|
| $250 to $35,000 | 5.99% - 35.99% | 3 to 72 Months | See representative example |
- Small personal loans starting at $100
- Receive an approval decision in as little as 2 minutes
- Funds can be deposited into your account in one business day and used for any purpose
- No hidden fees
- See official site, terms, and details.
| Loan Amount | Interest Rate | Loan Term | Loan Example |
|---|---|---|---|
| $100 to $20,000 | Varies | Varies | See representative example |
- Get up to $5,000 as soon as tomorrow
- Easy to use & only takes a few minutes
- Instant answers from lenders who want to work with you
- Funds deposited directly into your account
- All credit types welcome — good or bad
- See official site, terms, and details
| Loan Amount | Interest Rate | Loan Term | Loan Example |
|---|---|---|---|
| $100 to $5,000 | Varies | Up to 180 Months | See representative example |
Applying for a personal loan through these websites usually takes just a few minutes. After you submit an application, you’ll see loan terms to review, and you’re never required to accept an offer. If you’re approved, you can use the funds at any furniture store you choose.
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 Initial Credit Limit
- See if you Pre-Qualify with No Impact to your Credit Score
- Less than perfect credit? We understand. The Surge Mastercard is ideal for people looking to rebuild their credit.
- Unsecured credit card requires No Security Deposit
- Perfect card for everyday purchases and unexpected expenses
- Monthly reporting to the three major credit bureaus
- Use your card everywhere Mastercard is accepted at millions of locations
- Enjoy peace of mind with Mastercard Zero Liability Protection for unauthorized purchases (subject to Mastercard guidelines)
- Apply with Confidence! There is no impact to your credit score if you’re not approved. See terms.
| Interest Rate | In Business Since | Form Length | Loan Example |
|---|---|---|---|
| 35.90% Fixed | 5 minutes | See representative example |
- Earn Cash Back Rewards* – 3% on Eligible Gas, Groceries, and Utilities, and 1% 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 Credit Score†
*See Program Terms for important information about the cash back rewards program.
** Prequalify means that you authorize us to make a soft inquiry into your credit history (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.
| Application Length | Interest Rate | Reports Monthly | Reputation Score |
|---|---|---|---|
| 7 minutes | 36% Fixed | Yes | 8.0/10 |
- Earn Cash Back Rewards* – 3% on Eligible Gas, Groceries, and Utilities, and 1% on All Other Eligible Purchases
- Use Anywhere Mastercard is Accepted
- No Security Deposit
- $0 fraud liability**
- Free access to your Credit Score†
*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.
| Application Length | Interest Rate | Reports Monthly | Reputation Score |
|---|---|---|---|
| 7 minutes | 36% Fixed | Yes | 8.0/10 |
- Up to $1,000 Initial Credit Limit
- See if you Pre-Qualify with No Impact to your Credit Score
- Less than perfect credit? We understand. The Reflex Mastercard is ideal for people looking to rebuild their credit.
- Unsecured credit card requires No Security Deposit
- Perfect card for everyday purchases and unexpected expenses
- Monthly reporting to the three major credit bureaus
- Use your card everywhere Mastercard is accepted at millions of locations
- Enjoy peace of mind with Mastercard Zero Liability Protection for unauthorized purchases (subject to Mastercard guidelines)
- Apply with Confidence! There is no impact to your credit score if you’re not approved. See terms.
| Application Length | Interest Rate | Reports Monthly | Reputation Score |
|---|---|---|---|
| 8 minutes | 35.90% Fixed | Yes | 8.0/10 |
14. Revvi Card
- 2X Rewards Power – Up To 10% Cash Back when you buy and 1% Cash Back when you pay!^^
- An initial credit limit Up To $500 (See terms*)
- Opportunity to request credit limit increase after twelve months, fee applies.
- A Card That Works as Hard as You Do – Earn Up to 10% Cash Back Rewards at select merchants, 1% on Payments and Build¹ Your Credit Along the Way!^^
- Reports monthly to all three major credit bureaus.
- *See Rates, Fees, Costs & Limitations for complete offer details
- ¹Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score. Results vary.
- ^^The 10% cash back rate is available only at a limited number of participating merchants. Offer percentages vary by merchant and are subject to change. See Revvi Rewards Programs Terms & Conditions for details.
| 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!
