Written by: Adam West
Edited by: Lillian Guevara-Castro
No credit check furniture financing is more important than you may think. If you’ve ever tried to finance a new piece of furniture with bad credit, you know how stressful shopping can be.
But, thankfully, some personal lenders and furniture dealers are willing to extend financing offers without judging your credit history first. The lenders below can help you get the needed financing to add a new couch, bed, or entire house full of furniture with affordable payments, regardless of your credit score.
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No Credit Check Furniture Financing Online
The online lending networks below offer personal loan options you can use for any purpose, including to buy furniture.
When you fill out your initial loan request, each network will run a soft credit pull that does not harm your credit score. The network forwards that information to its partner lenders to make quick loan decisions. If qualified, you could receive multiple loan offers in a matter of minutes.
Each lender has its own loan term offer, and some offer financing approvals without an official credit check. If you meet the lender’s criteria, you can receive your money by the next business day.
1. 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 |
MoneyMutual is a network that helps consumers who have bad credit find short-term loan options that fit their needs and budget. You can use your loan of up to $2,500 to purchase furniture, pay off a current furniture debt, or for any other purpose you choose.
Qualified applicants must be 18 years or older, have an active checking account, and provide proof of current employment and income of at least $800 per month. Individual lenders may provide other requirements for loan approval.
2. CashUSA.com
- Loans from $500 to $10,000
- Receive a loan decision in minutes
- Get funds directly to your bank account
- Use the loan for any purpose
- See official site, terms, and details.
| Loan Amount | Interest Rate | Loan Term | Loan Example |
|---|---|---|---|
| $500 to $10,000 | 5.99% - 35.99% | 3 to 72 Months | See representative example |
CashUSA not only provides a large network of lenders ready and willing to work with bad credit applicants, but you can also access several educational modules that help you learn the terms you need to know to get the best loan for your situation.
To qualify, you must be at least 18 years old and a U.S. citizen or permanent resident with proof of at least $1,000 in monthly after-tax income. You must also have a checking account in your name and provide work and home phone numbers, as well as a valid email address.
- Quick loans up to $5,000 as soon as tomorrow
- Submit one form, get multiple options
- All credit ratings welcome — good or bad
- Requires a checking account and $800 minimum monthly income to apply
- No collateral or cosigner required
- See official site, terms, and details.
| Loan Amount | Interest Rate | Loan Term | Loan Example |
|---|---|---|---|
| $250 to $5,000 | Varies | Varies | See representative example |
When you request an installment loan from InstallmentLoans.com, you will automatically connect to a large network of lenders — all of whom specialize in bad credit loans with a fast turnaround. You can complete the entire process online and have the money in your checking account within 24 hours.
A qualified borrower will need to provide a valid state driver’s license, Social Security number, home or cellphone number, bank account information, home address, and employment or benefits income information. Applicants must be at least 18 years old and a U.S. citizen or permanent resident.
- Loans from $250 to $5,000
- Cash deposited directly into your account
- Get money as soon as tomorrow
- Bad credit OK
- More than 750,000 customers since 1998
- See official site, terms, and details.
| Loan Amount | Interest Rate | Loan Term | Loan Example |
|---|---|---|---|
| $250 to $5,000 | Varies | Varies | See representative example |
CreditLoan is one of the oldest online lending networks, with more than two decades of experience in helping consumers find short term loans. The network’s history is one of several reasons why many lenders from around the U.S. partner with the website.
CreditLoan will not accept applications from consumers who have a pending bankruptcy case. Before you apply for a loan, make certain that your case is fully discharged and that the judge has signed off on your paperwork.
- Loans from $500 to $10,000
- Get connected with a lender
- Simple form & quick funding
- Get your money as soon as next the business day, if approved
- See official site, terms, and details.
| Loan Amount | Interest Rate | Loan Term | Loan Example |
|---|---|---|---|
| $500 to $10,000 | 5.99% - 35.99% | 3 to 60 Months | See representative example |
Your bad credit is not a problem with BadCreditLoans. In fact, the lenders that partner with this network may present you with a loan offer even if you have very bad credit. That’s why the network claims it can help when other lenders can’t.
The network’s lenders will accept loan requests from any consumer — and will even consider applications that have a recent bankruptcy on their credit report. Just make sure your bankruptcy is finalized before you submit a loan request.
- 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 |
PersonalLoans.com maintains a separate network of lenders that only handle loan requests from consumers who have bad credit. If your credit score has lenders denying your request, this network may be the hero you’re looking for.
Qualified applicants must also be at least 18 years or older with a valid Social Security number and a checking account. The network also states that applicants must not have any accounts more than 60 days late, no active or recent bankruptcies, no pattern of late payments, no debt that can’t be covered by current income, and no recently charged-off accounts.
In-Store Options for No Credit Check Furniture Financing
If you do not want to work with a direct lender to obtain a personal loan, you can shop with a large furniture store or outlet that offers financing with no credit checks involved. Some will even offer free shipping to get your furniture to you faster.
The main drawback when shopping for furniture online is that you do not get a chance to see or feel each piece before adding it to your home.
7. FlexShopper
With FlexShopper, you can enjoy lease-to-own furniture options with flexible credit requirements — some with no credit checks — and affordable and convenient monthly payments to match your budget. FlexShopper offers a furniture leasing option for every room in your home.
Flexshopper offers lease-to-own furniture financing with no credit check required.
Some credit applicants can receive their furniture with no money down, while others may be required to make an upfront payment. Applicants must earn at least $1,000 a month and have a bank account to qualify.
8. Bob’s Discount Furniture
With Bob’s Discount Furniture, you can choose a convenient monthly payment plan that fits your budget — including a no-credit-needed option that does not require a credit check and can help you rebuild your credit score with on-time payments. The no-credit-needed option is only available for in-store purchases in select states.
Bob’s Discount Furniture offers a No Credit Needed option in select states.
You can also choose to apply for a My Bob’s Credit Card issued by Wells Fargo that offers a revolving line of credit for purchases with the furniture dealer. But this isn’t a no-credit-check option — you’ll need approved credit to qualify.
9. Furniture Mart
Furniture Mart provides three special financing options for shoppers, and two of them allow you to skip the credit check process. The company’s lease-to-own option provides a flexible monthly payment schedule with no credit check necessary.
Furniture Mart offers a lease-to-own option through Progressive Leasing that doesn’t require a credit check.
You can also choose the layaway option that requires a 25% down payment. You must fully pay for your purchase before bringing it home. There’s also the Furniture Mart USA Credit Card that provides special financing options, but it requires a credit check for approval.
How Does No Credit Check Furniture Financing Work?
You can choose between two types of special financing offers for your furniture purchase that may not require a credit check.
The first is to accept a personal installment loan from one of the lending networks above. A personal loan has no strings attached, which means you can use the loan proceeds for any purpose you choose. You can use some of the loan proceeds to buy furniture and the rest for any other bill or purchase you may need to pay for.
And these loans can help rebuild your credit since your lender will report your payment history to at least one major credit bureau.
Your application for financing will be subject to a soft credit pull, which does not affect your credit score and only gives the lenders access to a portion of your credit history. This process prequalifies you for a loan and could result in you receiving multiple loan offers to choose from.
The lender you choose to work with will have its own rules regarding credit checks. Some may approve your loan request without conducting an official credit check, instead relying on your income verification to approve you for a loan.
Your second option is to finance your purchase directly through the furniture company or manufacturer. Some offer in-store financing with instant approval, whereas other online furniture dealers offer online financing and ship your furniture directly to your doorstep.
Either financing plan can be a good payment option and provide the money you need without a credit check. You will repay the loan amount — plus interest — through equal monthly payments until you satisfy the debt.
Can I Finance Furniture With No Credit?
You can obtain furniture financing with no credit through an online personal loan or from the furniture dealer or manufacturer.
A personal loan is from a direct lender and will allow you to make monthly payments until you satisfy the debt. These loans provide cash in your checking account that you use to pay for the furniture — or for whatever purpose you may need it for.
The furniture store is not involved with this financing option. Depending on the lender you work with, you may qualify for a loan despite having no credit. These loans allow you to build your credit over time if you consistently make on-time payments.
Another financing option is to attempt to borrow the money for your furniture directly from an online or local furniture store. With so many of these stores around, there is heavy competition for sales. This means your lack of credit may not hurt you when you go shopping for a new sofa, bed, or other piece of furniture.
Having no credit shouldn’t get in the way of you being able to finance a furniture purchase.
Some dealers or manufacturers even offer a furniture financing option that includes a discount offer, such as zero-interest during a promotional period, or no credit check needed for approval.
You may have to make your initial payment before bringing your new furniture home. You will then make equal monthly payments to the furniture store over the life of your loan.
You may carry a balance that has a promotional purchase APR if you made a promo purchase during a sales event. This special purchase APR will not change as long as you make all of your payments on time, but the furniture store may cancel your promo period if you miss a payment.
What is the Easiest Furniture Store to Get Credit From?
Any store that offers a lease-to-own furniture financing option is typically the easiest to get credit from — but there may be a catch to this plan.
You sign a lease agreement that states that you are essentially renting the furniture until you make all of your necessary payments. If you miss a payment — or are very late with your minimum monthly payment — the furniture store can repossess whatever items are covered under the customer lease agreement.
You will then lose those items and any money you’ve paid toward your leasing option. These are regular account terms and apply to anyone — whether you have no credit, bad credit, or good credit.
Instead of signing a lease agreement, you may be better served if you finance your furniture purchase through an outside lender. The lending networks above provide very flexible terms that can net you a personal loan to cover your entire purchase balance. These loans often feature a low minimum interest charge and a convenient monthly payment that fits your budget.
Does Ashley Furniture Have No Credit Check Financing?
If you’re a loyal Ashley Furniture customer, you may want to shop at the large chain store when it comes time to add some new pieces to your home. But if you want to avoid a credit check, you may need to look elsewhere for furniture.
Ashley Furniture requires approved credit for financing.
Ashley Furniture requires a credit check for all of its financing options. While the store does offer several financing options for every qualifying purchase, you will have to finance your purchase through its partners, Synchrony Bank and Concora Credit, both of which require a credit check for approval.
Is it Hard to Get Approved for Rooms To Go Credit?
Rooms to Go is a major furniture dealer, with more than 275 locations throughout the southern United States. But if you want to finance your next Rooms to Go purchase, you’ll need the company’s branded credit card — which is issued through Synchrony Bank.
This card will require a credit check for approval, but since it’s a store credit card, it generally has lenient requirements for credit approval. While many store credit cards accept applicants who have bad credit, most want to see a good credit score — or at least a fair credit score — for approval.
You may qualify for a credit card with bad credit, but you may have to agree to a higher purchase APR for your financing of non promotional purchases.
Synchrony does not publish its credit standards and does not have a minimum credit score for approval.
Find No Credit Check Furniture Financing Online or In-Store
We would all love instant approval with no credit check when we need to finance a big purchase. But banks aren’t big fans of handing out money to anyone who asks.
That’s why your best option for no credit check financing will come from a non-traditional lender that specializes in personal loans for bad credit. You may also want to consider financing your big furniture purchase directly through the store or manufacturer.
If you choose the latter, be sure to have at least your initial payment ready, as many furniture stores require some sort of money down before you can bring your new items home. And, while some may finance your purchase without a credit check, others will work through a third-party lender that may require a credit check for credit approval.
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