Are you moving into a new apartment? Furniture financing would definitely be on your mind in this case. However, a bad credit situation can be a serious hurdle when qualifying for financial help with leading companies. If you are running out of options to consider, I have listed some of the best buy now pay later furniture for bad credit schemes right here!

Buy Now Pay Later Furniture for Bad Credit plans are offered by certain furniture stores such as FlexShopper, Fingerhut, Aaron’s, Wayfair, etc. If you are not able to qualify for store-specific financing, it also possible to get a credit card or opt for personal loan instead that can be used to cater to such purchases. In any case, it is utterly important to pay back installments on time.

Where Can I Find Buy Now Pay Later Furniture For Bad Credit?

If you find yourself saying no to a lot of home furniture accessories because you are running on a tight budget, it is time to stop!

Home renovation, decor, and set up can be expensive but with the right financing options, you can divide the cost of purchases over time so you don’t go broke all at once. To make sure furniture and furnishing is not a financial trauma for you, I have done some research to bring out the best buy now pay later furniture no credit check plans that you can afford even with a shaky credit standing.

1. FlexShopper

One of my favorite picks on the list is this online store that hosts a variety of furniture and allows you to get financing even with poor credit score.

FlexShopper has easy criteria for qualification so it wouldn’t be wrong to say that almost everyone is approved for a credit line of up to $2,500.

You can spend the credit on any item of your choice. The contract of payment is up to 12 months with weekly installments. At the time of setting up an account, you will be asked to link a bank account. Then after the purchase, the installments would be automatically deducted from your account.

For successful qualification, you must be 18 years of age, have a bank account and also be able to give proof of stable income source.

The application can be completed online within 5 to 10 minutes. It is merely a formality where you need to share personal details and bank account details. No credit check would be carried out.

2. Aaron’s

Aaron’s is a lease-to-own, buy now pay later online store that offer furniture financing with bad credit. You can find range of products here including bedroom sets, desktops, monitors, TV sets, etc.

You just need decent credit history to be approved at Aaron’s. They do not run a hard inquiry but will scrutinize your credit standing, income source and any pending debts.

You will pay the first installment at the time of purchase. If ordering online, the items will be delivered to you. After this, you continue to pay off the due monthly. Typically, you will be allotted up to 24 months to complete the payments.

3. Fingerhut

Fingerhut financing program is not limited to purchase of furniture only. You can buy other products as well such as clothes, shoes, accessories, exercise equipment, kitchenware, etc.

The first step to financing is to open Fingerhut account online, wait for approval and sign in using your credentials. Then you have to choose the products that you wish to buy.

Now we get to the tricky part. Once you have finalized the purchase, there are two types of financing plans that you can opt for: Fresh Start or Full-Fledge Credit Account.

Fresh Start credit line, as the name suggests, is dedicated to those with extremely poor credit standing or no credit history at all. Fingerhut will deal with you as a newbie and trim a personal credit line for you.

If you choose to get a full-fledge credit account instead, your purchase will be divided into installments. You can continue to pay off the purchase over time.

Fingerhut reviews its clients from time and time. Moreover, it automatically increases regular credit line if a person is punctual with payments. The company also reports to credit bureaus so you can use it to rebuild credit score and recover from bankruptcy.

4. Ashley Furniture

You can get financing at Ashley Furniture as well but it requires you to sign a deal with the store directly. The scrutiny may be more strict than some other options that we have discussed above. However, if approved, you can get buy now pay later furniture items and pay back the amount in up to 60 months.

The best part is that Ashley Furniture offers discounts even at items you get through BNPL schemes. This is definitely the right way to win new clients.

You will be able to find a separate deal section online. If you are lucky enough, you may be able to score a discount of up to 75%.

Ashley Furniture runs a credit check so I can say, there is no no-credit-check policy here. But, bad credit is still an option as it approved applications with credit scores as low as 550.

Make sure you are above 18 years of age when applying for Ashley Financing and signing the contract. Moreover, you have to show proof of stable income.

5. Snap Finance

Snap Finance is another company that got people with damaged scored covered! You can consider this option for bad credit furniture financing as well as for the purchase of electronics, appliances, mobile phones, beddings, etc.

The credit line that you get here depends on the look of your credit report. However, even with average credit score, you may be approved for a credit line up to $3,000!

You know the drill! Simple visit Snap Finance official website to fill out the application online that shouldn’t take more than 5 minutes. Provide banking details and personal information before you submit.

The company will go through the detail for verification. After that, you will receive a confirmation message regarding the company’s decision.

You can start using the credit immediately once you receive the confirmation. The repayment terms will be shared with you and you need to stick to timely payments to avoid inconveniences.

6. Rent-A-Center

One of the most reliable places to try for furniture financing with bad credit is Rent-a-Center. This is because the application for buy now, pay later schemes here have nothing to do with credit check.

You simply need to purchase the item online and in-store and fill out an application on spot. The company would verify your work history and income source and provide approval almost instantly.

If approved for financing, you can make the first installment at the time of the purchase. The rest of them terms are quite flexible. Repayment may be done in weekly, biweekly, or monthly basis.

Online orders are delivered within the promised period. There has been no complain by the customers about delays or damages.

Similar to other furniture stores on the list, Rent-a-center has items to fill up your bedroom, living room, and even the office. You can find utensils here as well such as stoves and dishwashers.

Other accessories like laptops and gaming systems are also available although they do not count as furniture items. In fact, Rent-a-Center now sells smartphones as well!

7. Elgin Furniture

The store is dedicated to wide variety of furniture and relevant items including mattresses, home decor products, etc. Bad credit shouldn’t be a problem with Elgin Furniture financing since the store allows for buy now pay later schemes without credit check.

In addition to promising financing with no credit check, Elgin also offers delivery within 48 hours and lowest market prices for any said product.

You can apply for the financing by visiting their online application portal. It would require you to share your full name, mobile number, and address.

It may take some time for the company to approve your application. Once it’s done, you can start shopping right away! As per their buy now pay later policy, you must pay back the installments within 18 months.

Another interesting offering here is that you would find a separate section with markdowns. Here you can shop for products at discounted prices. This does not always imply that there is something wrong with the items. It simply means that the store sometimes need to clear the shelves off the products that didn’t sell quick enough.

8. Furniture Mart

Your options are not limited at all when it comes to financing with the Furniture Mart. You can access its programs online that are: Furniture Mart Credit Card, Furniture Mart leasing plan, and Layaway option.

The Furniture Mart credit card offers a credit line and lets you finance purchases from 6-72 months. If you wish to avoid credit check completely, you can opt for the leasing plan instead under which you have to make scheduled payments until the dues are clear.

The last option, Layaway by Furniture Mart, requires you to make a 25% downpayment at the time of purchase.

Furniture Mart has not been a popular choice for many as it imposes high interest charges if you are late with payment and is quite a risk to take especially if you are already facing bad credit.

9. Bob’s Discount Furniture

One of the simplest platforms to get buy now pay later furniture with bad credit is Bob’s Discount Furniture.

You can choose a monthly payment plan of your liking here. The store does not run a credit check so poor credit history should not be a problem. However, the purchases need to be done in store for financing plan to work.

What Personal Loans For Bad Credit Can You Use For Furniture Financing?

Personal loans may not be easy to quality for with bad credit but some dedicated program are worth a try. They are actually a good alternative to in-store financing as they can be used at more than just one store so you can get different furniture items from different retailers as per your liking.

Where in store financing and credit card application can be time-consuming, personal loans take the lead by ensuring you get the funds within minutes.

Most of the companies discussed below operate online. This means you can fill out the application, hit the submit button and wait for them to review your data. If luck is by your side, the loan request will be accepted and money sent over to you within minutes.

Though the market is not full of options when it comes to personal loans with bad credit, I have listed some names here that have high odds of approval.


Top choice for personal loans with bad credit, and personally my favorite pick is Depending on your credit situation, income, and credit report, CashUSA allows loan from $500 to up to $1000.

Once you are approved for the loan, you can use it for any type of purchases, not just furniture. The funds are transferred to your linked bank account direct making it even more convenient to clear payments.

You have to apply for loan online and wait up to 10 minutes to hear from the lenders.

As per its official website, charges an interest rate of 5.99% to 35.99%. This is one of the highest in the market. Therefore, you have to be mindful about timely payments or the loan will not only ruin your credit standing but leave you in financial debt as well.

2. MoneyMutual

Through this personal loan, you can get up to $5000 to finance various purchases. MoneyMutual is not a direct lender. However, it can get you in touch with reliable loan providers via online marketplace.

The best part about MoneyMutual is that you can get the funds within 24 hours of application. In face, the application itself would not take longer than 5 minutes to finish.

Keep in mind that MoneyMutual is not available in some states in the US. You can visit the official website to find out the detail.


Perhaps the simplest and quickest way to get in touch with a lender that you need is by using As the name suggests, this online platform is dedicated to finding loan programs for those with poor credit standing so you have highest chances of successfully score a good personal loan offer here.

Typically, BadCreditLoans will get you a loan amount of $500 to $10,000. The application form is quite simple and it promises applicants quick funding as well.

You can get the money on the next business day but keep in mind that late payments would result in interest charges that can be as high as 35.99%. The term term is normally 3 months to 60 months but may vary depending on the terms finalized with you.


Do you want the loan to reach you as early as next day? Well, is what you are looking for then. is an online marketplace that is quite famous for quick, small-term loans. Typically, the amount that you can qualify for here ranges from $250 to $5000.

You can apply for personal loan here with a poor credit score but you would need an active bank account. This is because the loan amount is sent direct to your account ensuring it gets to you as soon as possible.

5. BillsHappen

So the last name on the list of personal loans for bad credit is BillsHappen. This option is more popular for quick loans of up to $5000.

Similar to MoneyMutual, BillsHappen is not a direct lender. It gets you in touch with different lenders. Therefore, once you submit the application here, you may hear from multiple lenders at once. You can then compare their offerings before finalizing.

It is not possible to take a loan from BillsHappen without an active bank account and social security number. Although it accepts applications from all credit types, it would be a good idea to apply with al least fair credit score and an account that you have maintained well over the years.

Are There Credit Cards For Bad Credit That Can Financing Furniture Purchases?

Credit card is an impeccable tool that you can utilize for financing your purchases, not just furniture but variety of other items as well. Basically, the credit line that comes with a credit card is a type of loan that bank provides you. Cardholders can use this amount to fulfil their needs but have to pay it back by the end of month to avoid interest charges.

If you have a poor credit score, chances are you would need to go for secured credit cards. These cards have a pre-requisite of a deposit fee at the time of application and card issuance.

Nonetheless, there are unsecured credit cards for less-than-average credit score as well. In any case, the company will run a hard inquiry on your credit report to determine the credit line that you qualify for. Some of the credit cards that you should look into if you wish to purchase furniture are:

1. Aspire Cash Back Reward Card

Aspire credit card gives you up to $1000 credit line even with average credit score. You can check pre-qualification online before you submit the application.

Other than that, Aspire Mastercard credit card gives 3% cash back on purchases like gas, groceries, and utility payments as well as 1% cash back on all other purchases.

2. Reflex Mastercard

Reflex Mastercard credit card welcomes all credit types. Initially, you may get approved for credit limit of $300 but with good credit standing, it can be increased to $1000 or more.

Cardholders have shared that they were able to double their credit limit from $1000 to $2000 simply by making timely payments for 6 months.

Reflex Mastercard also reports to credit bureaus so you can use it to improve your credit score overtime. You can apply for it online through easy application and then use it almost everywhere at all major retailers in the US.

Keep in mind that you need an active checking account in order to qualify for the Reflex card. You can visit their official website to see if you pre-qualify for the card offer.

3. Surge Mastercard

You can easily apply for Surge Mastercard as well if you hope to get a credit card without credit check. Initially, you may be offered a credit line of $1000 or less but you can get it doubled by making on-time payments.

If you credit standing is quite low, Surge Mastercard may only allow a credit line of $300. However, as I said before, this can be improved over time. It also reports to major credit bureaus to help you rebuild credit score.

4. Revvi Card

With fast and easy online application, Revvi card is a great option when you want to get a credit card with poor credit score. It offers up to $300 credit limit but the exact amount depends on your credit standing.

You can also use this card to build your score over time with timely payments as it report to the three major credit bureaus.

Cardholders can also get whooping 1% cash back on all purchases made via Revvi credit card. On top of that, they get access to free-of-case credit monitoring in collaboration with TransUnion, on of the three major credit bureaus.

5. Fortiva Mastercard Credit Card

The last option you have for bad credit furniture financing is that of Fortiva Mastercard credit card. It does not offer a very high credit limit for those with less-than-average credit score but depending on how you use the card, the limit may be increased after regular reviews by the bank.

Fortiva credit card also lets you earn 3% cash back reward on all purchases. This is a very generous offer given no other credit card with bad credit gives this much cash back.

Before You Go!

There are many furniture financing options once you explore the market. If you can’t find any store that directly finances your purchases, it is always possible to go for personal loans or credit cards that can help you redesign your home as per your liking. Getting furniture with bad credit should not be an issue anymore given the number of retailers that allow financing for less than average credit score.

The only you need to be mindful of is that the installments should be pain on time. Although most of these store do not report to credit bureaus, your reputation will still suffer, if not credit score, in case you don’t clear due payment.

Write A Comment