UPDATED: September 24, 2022

You might think that replacing old furniture using financing always requires an excellent credit score. So if you made past financial mistakes that hurt your credit, you might not be able to apply for most loans to finance your furniture needs.

Fortunately, there are furniture stores providing financing for people with bad credit. We've scoured the web for the best furniture stores to get credit, checked their official sites, and gathered the best tips to give you helpful insights.

Read until the end to find out one crucial tip when considering a furniture financing plan. Don’t miss out on essential factors to take note of and end up hurting your credit even more.

Top furniture stores with easy credit approval

In this section, you’ll discover what furniture stores offer payment plans, even for people with bad credit. We compiled eight stores you might want to check.

1. Darvin Furniture

Darvin Furniture is one of the top 100 furniture retailers in the U.S. and has been around since 1920. It’s located in Orland Park, Illinois, with a showroom that has over 200,000 sq. ft. of furniture on display.

Currently, the company offers a 0% annual percentage rate (APR) on qualifying purchases of $1,699. But you must give a downpayment of one-third of the total amount of the furniture.

Here’s how Darvin Furniture’s financing works:

  1. Pick up an application form at the store.
  2. Fill it out, then give it to the cashier.
  3. Wait for 10 minutes or more to know if your application was approved.

Take note that you need to go during regular business hours to get an answer within 10 minutes.

Store HoursOpening Time
Monday to Friday10 AM to 9 PM
Saturday10 AM to 6 PM
Sunday11 AM to 6 PM

Here’s the address of their store: 15400 La Grange Road, Orland Park, IL 60462.

Darvin Furniture offers the following furniture and home essentials:

  • Living room
  • Dining room
  • Bedroom
  • Home office
  • Storage cabinets
  • Accents and decorations
  • Mattresses

You can also call them at 708-460-4100 to inquire about available designs.

2. Big Lots

Big Lots is a community retailer that has been around since 1967. Before, the company focused on selling auto parts and vehicles. But today, Big Lots offers furniture and home decorations.

It operates 1,400 in 47 states, including Arizona, California, Georgia, New Jersey, and Washington. You can go to the Location page and enter your city or zip code to know the nearest store.

If you’re looking for no credit check furniture financing online, we recommend Big Lots. So if you’re asking, “What credit score does Big Lots require?” The answer’s none because, according to its website, there’s no credit needed for its progressive leasing offer.

You must present the following requirements:

  • Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN)
  • Routing and account number of your checking account
  • Credit or debit card

Here’s how the retailer’s financing work:

  1. Go to the website, then scroll down until you see “Easy Leasing” under “Shop & Learn.”
  2. Tap “Apply Now” on the next page.
  3. Follow the prompts on the application page, then wait for the decision.

There’s no processing fee, and you can give a downpayment as low as $49, depending on the furniture you want to buy.

However, they have limited products for leasing:

  • Sofas
  • Loveseats
  • Sectionals
  • Dining sets
  • Mattresses
  • Seasonal items

You can contact a Big Lots store near you to confirm product availability.

3. Bob's Discount

In 1991, Bob Kaufman opened the first Bob’s Discount store in Connecticut. Since then, it has been providing durable and affordable furniture pieces. It has 150 stores in 24 states, including Arizona, California, Massachusetts, and New York.

You can visit the Store Locations page and enter your zip code to know the stores near you.

The company offers no credit check furniture financing, but it’s only available for in-store purchases.

So if you’re wondering, “Where can I find furniture stores with easy credit approval near me?” You can try looking into Bob's Discount’s selection.

Here’s how Bob’s Discount financing work:

  1. Go to their website, then click “Financing” on the top menu.
  2. Tap “Apply Now” on the next page.
  3. Select the shipping state, then provide your name, SSN, birthdate, government ID number, home address, and phone number.
  4. Follow the directions on the pop-up window to complete your application.

There’s no need for a downpayment, and you can call 1-860-812-1111 for the list of available products.

4. Hank's Furniture

Hank’s Furniture was founded in 1975 and hailed as one of America's Top 100 Independent Furniture Retailers. It has 18 stores in four states: Alabama, Arkansas, Florida, and Texas.

You can click this link to visit their Locations page.

It’s one of the best places to finance furniture with bad credit because it has a payment option with no credit required.

Here’s how Hank’s Furniture financing works:

  1. Go to the website, then click “Financing” on the top menu.
  2. Scroll down until you see “Smart Sales & Lease.”

Fill out the prequalification form on the next page. The website will ask for the following:

  • Nearest store
  • Name
  • Birthdate
  • Phone number
  • Email address
  • Employment information
  • Bank information

Remember that it’s only available in-store, so you must go to a branch to pick up your furniture.

You also need to call the store near you to inquire about available items for financing.

5. Rooms to Go

Rooms to Go provides quality furniture made from eco-friendly materials. It also gives back to communities, veteran groups, and hurricane victims, through donation drives.

The company currently has 132 stores in 10 states, including Florida, Georgia, Mississippi, and Virginia. You can check out the Stores page to find a branch near you.

Here’s how Rooms to Go’s financing works:

  1. Go to the website, then scroll down until you see “Financing” under “Rooms to Go Credit Card.”
  2. Click “Apply Now” on the next page.
  3. Type your phone number and the last four digits of your SSN.

The website will also ask for the following information:

  • Initial purchase amount, if known
  • Name
  • Home address
  • Phone number
  • Email address
  • SSN or ITIN
  • Birthdate
  • Monthly net income

After that, you need to wait for a message from Rooms to Go regarding your application. You may also call (800) 766-6786 for other concerns, such as available items and updates.

6. City Furniture

In 1971, Keith Koenig founded City Furniture in Waterbed City. Since then, it has been operating nearly 20 showrooms across Florida. 

You can check their branches on the website’s Stores page. It contains details about each store, such as opening and closing hours, address, and telephone number.

You can check out the steps below if you’re interested in City Furniture’s financing.

  1. Go to the website, then scroll down until you see “Financing & Payment.”
  2. Click “Log in” under Progressive Leasing.
  3. Tap “Get Started” on the next page.
  4. Enter your zip code, then search for City Furniture.
  5. Provide personal information, home address, income details, and financial information.

Before filling out forms, the website will remind you that the standard agreement offers 12 months to ownership. It could also cost more than double the original price.

You can call the store near you to know what items are available for leasing.

7. Shop Factory Direct

Shop Factory Direct offers traditional, contemporary, and modern furniture for your home. Among the companies mentioned in this article, this store’s the youngest because it was only founded last 2007.

It’s located in Winter Park, Florida, but its store is exclusively online. Fortunately, the company offers free delivery to 48 US states. You can call them at 800-269-2216 to discuss your delivery with their customer care representatives.

What we liked about Shop Factory Direct’s financing is that it allows you to check your rates should you continue with your application.

Here’s how it works:

  1. Go to their website, then click “Promotional Financing,” located at the bottom of the page.
  2. On the next page, click “Get Your Rate.”
  3. Answer the questions on the succeeding pages to know how much you should pay.

According to its website, the rate ranges from 6.99% to 29.99% APR. Take note that APRs will vary depending on your loan amount, credit qualifications, and loan term.

8. Ashley Furniture

Ashley’s Furniture is a Wisconsin-based furniture store that started in 1970.  It was once a small family business but now has more than 1,000 retail stores in over 100 countries.

You can check the nearest branch on their Store Locator page by entering your city or state.

You can shop without credit through Acima and Progressive Leasing, their partner financing companies.

You can follow the steps to apply for the company’s financing.

  1. Go to their website, then select “Financing” from the menu.
  2. Scroll down until you see Acima or Progressive Leasing.
  3. Click “Learn More,” then tap “Apply Now” on the next page.
  4. Follow the directions on the pop-up window to finish your application.

But most people still ask, “What credit score is needed for Ashley Furniture?” You need to have a score of 650 and above to be eligible for the Advantage card. If you meet the credit score requirement, it’s easy to get approved at Ashley Furniture.

You can apply for the Advantage card on the website’s Financing page. The Online Financing offer makes Ashley one of the best furniture stores to build credit. 

There are several stores to check out if you don’t have excellent credit, and they mostly have a simple process.

How do you build credit for furniture?

We compiled tips on how to improve your credit, so you can buy your dream furniture.

  1. Use your credit cards wisely, which means never missing a payment and paying in full if you can. You must also refrain from applying for more than one credit card within a short period.
  2. Paying on installments can also help your credit score, but ask the stores if they report to the credit monitoring bureaus.
  3. Pay your bills on time to prevent being referred to a collection firm and damaging your score further.
  4. Don’t close unused accounts because a long credit history can help you achieve a higher credit score.

So what’s the credit score you need for furniture financing? Most retailers require a score of 670 or above. So if you’re planning to have more options, you must reach the said score.

Is financing furniture a good idea?

Financing furniture allows you to buy household pieces, such as beds, sofas, cabinets, and desks. But you might be wondering, “What do I need to know about financing furniture?”

It’s more expensive than paying in cash or using your credit card. For example, when you apply for lease-to-own furniture, instead of paying $900 for the total amount, you might end up paying up to $2,000 for the same item.

Here’s a crucial tip when considering a furniture financing plan: compare the total amount you’ll pay and look for stores that offer the least APR. Most retailers don’t disclose the full details of their financing plans, so you need to contact them.

Also, missing one payment entails hefty penalties and interest charges. You have to read the terms and conditions before signing for new furniture.

Is renting furniture a good idea?

You can rent furniture if you’re not comfortable paying almost double the original amount. Still, you must consider the costs that rental companies collect.

  • Deposit
  • Delivery fee
  • Rental fee
  • Interest charges
  • Service charges
  • Online payment charges

That’s why you need to look for rental companies that charge reasonably.

We also recommend renting furniture if you’re frequently traveling or have only a temporary home.

What are the alternatives to financing furniture?

You can get a loan for furniture, but it can be more expensive, so here are some options to consider.

Pay in cash

You don’t need to worry about interest rates if you pay the full amount. It’s also one step to being debt-free. But this might not be feasible if you need furniture immediately.

Use a credit card

Your credit card issuers may offer promotions or lower interest rates than financing companies. Also, you can get the furniture right away if you pay using a credit card. However, this option may also entail penalty charges if you fail to pay on time.

Can you buy furniture despite a low credit score?

Several retailers, such as Darvin Furniture, Big Lots, Hank’s Furniture, Rooms to Go, and Ashley’s Furniture, allow financing options even for people with low credit scores. But make sure to check if your budget fits their interest rates.

If you’re not comfortable paying high-interest charges, you can save money first to purchase the furniture through cash. It allows you to save money in the long run. But if you need the furniture immediately, you can contact the companies we mentioned for complete details of their financing methods.

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