Bad Credit Furniture Financing Loans: Finance Furniture With No Credit in 2021

Bad Credit Furniture Financing Loans: Finance Furniture With No Credit in 2021

Furniture is a necessary addition to our household. However, if you have a bad or no credit history, it can be challenging to find no credit check furniture financing for the furniture you want to purchase. Many stores will check your credit score before they can offer you financing options for the furniture.

Aside from this, if you would like to increase your credit, purchasing a piece of furniture financing is one of the best ways to improve your credit score. Any person should be able to buy a piece of furniture, even if they have bad credit scores.

It might seem impossible for people with bad credit to get the financing they need for their homes. However, multiple lenders and platforms can willingly give you the funding you need, even if you have bad credit.

These platforms connect you with hundreds of willing lenders nationwide. So, whether you need a new sofa or an entire room, you can get that secure credit check furniture financing with these platforms. Below are some of the options you have when it comes to funding for purchasing furniture.

Our Picks of the Top Furniture Financing with No Credit Approval

Large pieces of furniture typically come with financing options when you are buying online or in-store. However, this type of flexible financing is only offered to people with good credit scores. Many stores will also perform a hard credit check which can affect your score.

Hard Credit Check is when a lender requires your credit report because of a new loan that you applied to. A hard credit inquiry typically only reduces your credit score by a few points. However, for people who have a lower credit score, this can be impactful.

There is also another type of Credit Inquiry that would not affect your credit score. This type of inquiry is called Soft Inquiry. This inquiry will not show up in your report and will not decrease your current credit score.

  1. MoneyMutual 
  2. BadCreditLoan
  3. CashUSA
  4. PersonalLoans
  5. CreditLoan

The platforms included in this article perform a soft inquiry instead of a hard credit inquiry. This is to avoid decreasing your credit score any further. If you have no credit score history, this type of inquiry is also beneficial to you.

#1. MoneyMutual


If you are new to online lending platforms, it can be difficult to find the best one out there. Well, MoneyMutual is a great place to start because millions of customers have used this platform due to its convenience and speed.

Need that new furniture fast? MoneyMutual can get you that needed cash within a day after you file out their form. You can even complete this form within minutes, and all of the processes are done online.

What makes MoneyMutual the top choice for people is its simplicity. After answering the few questions in the form, you can instantly connect with their vast network of lenders that can give you financial aid.

You can use this financial aid however you want, whether you need a new piece of furniture or emergency funds. Before giving you loan terms, the lenders will perform a soft credit inquiry on you, which does not affect your credit score.

The maximum amount you can request from this platform is $5000, good enough for that beautiful sofa you have been dreaming of! The only requirements of MoneyMutual are being of age and having a consistent monthly income.

Giving out your personal information online is a dangerous process, and we only recommend companies that take your security seriously. MoneyMutual gives you safe and secure processing that protects your personal information from any harm.

Once you connect with a lender that is willing to work with you, you may need to answer additional questions from the lender’s site. Afterward, you can close in on that deal and receive your money within one day.

This platform is great if you need a piece of furniture replaced instantly. You can get your money in a few hours and head over to the furniture store quickly. The required form is quick and simple. If you already used MoneyMutual before, you need less time to fill out their online form and go straight to connecting with the lenders.

MoneyMutual is only a platform that gives you that connection with hundreds of lenders in the community. This platform does not require good credit for you to get immediate financing. You do not need to have a specific reason to get approved for a loan as well.

=>Click here to know more about MoneyMutual

#2. Bad Credit Loan


Did you recently move out and require a lot of new furniture for your new home? Bad Credit Loan may be able to help you. This network specializes in giving you higher loan offers compared to other networks.

Bad Credit Loan allows users to get a loan of up to $10,000. So, if you need that dining set and sofa combo, you can look for financing offers here. Simply enter the amount you need on their website and complete the form in the next step.

The lenders in Bad Credit Loan will check soft inquire your credit report and check if you are eligible for a personal loan. If the lender thinks you are eligible, you can receive an offer almost instantly. Review and provide any additional information, and you are good to go.

You can complete the process online, so no need to go to your local bank. If you already accepted a deal, you can expect to get your money after one business day. Bad Credit Loan has a network of Tribal and State lenders, so you have a lot of flexible options for your loan request.

The network then gives your request and information to lending partners, and any willing lender will contact you immediately. The quotes and terms you get depend entirely on your creditor, of course. So be sure to properly review the terms before agreeing.

Bad Credit Loan is honest about its policies and process. You can check all of its policies on its official website. The platform is dedicated to helping people who need financial assistance all over America.

This platform not only connects you to lenders but also educates borrowers on fair terms and when you should take out a loan. The site is an advocate of responsible lending, so you can decide which terms fit your lifestyle better.

The reason why we love Bad Credit Loan is its quality service and dedication to users. You can contact them anytime or week if you have any questions about personal loans. The service they offer is completely free. You do not have any obligation when you use their service as well.

While there are no fees to use the service of Bad Credit Loan, the lenders will have the final say when it comes to their rates. It is up to you if you are willing to accept the offers of that lender or not. This platform does not require you to have a good credit score as well.

=>Click here to know more about BadCreditLoans

#3. CashUSA


Do you hate completing a lengthy process just to get your loan request denied at the end? CashUSA is another platform that specializes in helping borrowers connect with lenders who are willing to give you financial assistance for your personal use.

CashUSA can get you connected with lenders and have a maximum loan amount of over $10,000. This amount can go directly to your checking account in a few hours once you completed the necessary steps on the site.

The platform only requires 4 steps to complete your loan request. You need to answer their online form that you can complete in minutes. The process is convenient and can be completed online. Preparing your documents beforehand can even make this process faster.

CashUSA uses a secure form to protect your personal information from leaking and protect you from any harm online. After answering the form, you need to wait to get connected with a moneylender. If there is any moneylender that is willing to give you an offer for the amount you requested, you will receive a notification.

The lender will give you the terms and interest rates of their offer. They are required to disclose all information about your loan, so check it carefully. If you accept the terms, your funds can be delivered to your checking account within the next day.

If you did not receive any loan offer from any backers or moneylenders, you can also get connected with other options. Some of the options you may receive would be services for repairing your credit or refinancing your current debts.

These services may help improve your credit score report if you do not have a great standing. Filing bankruptcy can negatively impact your credit score, and these services may help pick you back up so you can rebuild your credit.

The typical interest rates of lenders from CashUSA would be between 5.99% to 35.99%.  The repayment terms are flexible, ranging from 3 months to 72 months for higher loan amounts. Always negotiate and talk with your lender to get the best terms for you.

=>Click here to know more about CashUSA

#4. Personal Loans


We have all been there. Damages to your house or furniture require immediate funding. Situations like these can require a large sum of money, and many people are struggling with financing for necessary home improvement.

PersonalLoans is a network you can look at if you would like to request a larger sum for your home improvement project. This platform has lending partners that may give you financial assistance of up to $35,000.

Getting approved credit for loans like these can be tricky, especially if you would like to avoid hard credit checks. However, personal Loans has an exceptional network of lending partners that can give you loan offers like these without the need for a hard credit inquiry.

If you would like to avoid getting a decrease from getting your credit report pulled, this can be a great option. Personal Loans connect you with lenders that give competitive rates for your financing needs.

You can also use these loans for any other reason, whether you need them for your home or vacation. The process is also simple, and you only need to answer their form to get connected with all the available lenders on the platform.

Personal Loans does not charge you any fees for using their platform. However, the lenders have the say when it comes to the terms and rates of your loan. This process makes financing for purchasing furniture convenient and hassle-free.

Anyone would be worried when providing their information online. Personal Loans use an online form with secure encryption to protect your information. This method helps users feel secure when requesting a loan online.

Emergency financing can happen any time of the day, and Personal Loans are available 24/7, so you can get the financial assistance you need as soon as possible. Aside from this, you can complete the process quickly with their online form.

Answering their online form is simple; simply state your reason for requesting a loan to get started on their website. You will need to provide your zip code and other information so the system can check whether you used their platform before.

Afterward, you will be connected with their lending partners, and you can get an offer within minutes of finishing the form. Review your backer’s terms and accept it if it fits your needs. The funds can be available in your bank account after 24 hours.

=>Click here to know more about PersonalLoans

#5. Credit Loan


If you need financing quickly without having to wait long periods, Credit Loan may be for you. This platform connects you with lenders who are willing to give you offers of up to $40,000. However, if you have bad credit, you are only qualified for a maximum of $5000 loan amount.

This option is great for getting small, quick, personal loans. All you need to do is answer their form online, which is secured by 2048-bit RSA Key. This encryption keeps your personal information secure and hassle-free.

After giving your information and loan request amount, the lending partners of Credit Loan will review your personal information. If a lending partner is willing to work with you, they will give you the terms and rates they offer for your loan request.

Even if you have bad credit, a Credit Loan can still allow you to receive a loan offer from lending partners. However, lower credit scores do impact the maximum loan amount you can request when it comes to this platform.

When you agree to a loan offer, the money can be transferred to you after one day. CreditLoan does not request additional rates for using their platform. However, your interest rates are in the hands of their lending partners.

If you already used CreditLoan before and have an existing loan on their website, you are not eligible for another loan. You can also get denied if your income to debt ratio is more than you can afford, so keep that in mind.

People who are facing bankruptcy may also have lower chances when it comes to getting approved for a loan. Credit Loan has hundreds of users all over America, and you have positive reviews for being the most convenient lender network platform.

Credit Loan has been helping people get the financial assistance they need since 1998. They have helped over 750,000 users manage their finances and find financing options for their personal needs.

=>Click here to know more about CreditLoan

Furniture Financing In-Store

The benefit to online lender platforms is that you can determine your required loan amount and look for flexible terms that work best for you. However, if you would like to save more time and purchase your furniture directly, you can look for furniture stores that offer flexible financing options.

Select stores offer financing without going through hard credit inquiries. People with bad credit or those who would like to avoid credit checks can look for this option. However, most of your furniture shopping will be done online.

While these no credit check furniture financing stores offer financing without checking your credit, you can only purchase the furniture online. This can prevent you from checking the actual furniture before getting it delivered to your home. However, the benefit to this is most stores offer free delivery and shipping with your furniture.

In-store furniture financing may also give you lower spending limits compared to online lending platforms. If you are planning to purchase multiple pieces of furniture or furniture sets, this option may not be for you.

Most In-store financing offer lease-to-own options for furniture and electronics. Lease-to-own means that the ownership of that furniture will only be transferred to you once you complete all your loan payments. If you could not pay in time, the furniture company has the right to repossess any furniture you purchased.


FlexShopper is the largest market brand that offers financing for lease-to-own furniture and electronics. The brand offers financing terms for huge brand names like Samsung and Sony. You can get any kind of furniture from washing machines to professional cameras.

This furniture store is known for its affordable initial payment terms. You can purchase a piece of furniture and pay your loan weekly, depending on the term that suits your preferences. Paying your loan amount weekly can grant you ownership of the furniture you purchased quickly.

You can qualify for a furniture loan even if you have bad credit in FlexShopper. Depending on the furniture you are purchasing, you may need a down payment. However, most people will not require a down payment when qualifying for their furniture financing terms.

What makes FlexShopper great is that they do not give you hidden fees with your purchase. There is also no long-term commitment when using this service because you pay off the loan weekly. Once you qualify for the site, you instantly have up to a $2500 spending limit for your furniture.

Simply shop or look for the furniture you want and apply through the FlexShopper form. Answer the application, and you can qualify for their loan offer. Afterward, go back to the furniture you want and proceed to checkout.

You can choose FlexShopper as your method of affordable payments when purchasing the furniture. FlexShopper also offers excellent customer service that you can contact whenever you have questions about the process.

The online application process is secured, and your personal information is protected at all times. The repayment terms typically last a year, making it great for short-term loan offers for equipment and pieces of furniture.

FlexShopper does not require any paperwork, and the entire process is completed online. You can apply for their lease agreement option even if you have bad credit scores. Once you have been approved, you can purchase multiple products as long as it fits your spending limit.

The lease agreement works by giving you required weekly payments according to your purchase. Completing the 52 weeks of payment will give you ownership of the product. You also have the option to purchase the product earlier with their Early Purchase option.

Bob’s Discount Furniture

Bob’s Discount Furniture is a marketplace with a wide variety of furniture options for your home. There are multiple furniture options available, including living and dining sets. You can also find outdoor furniture and home decor options on the site.

If you do not want to go through a credit score check, you can apply for the My Bob’s Financing option. My Bob’s Financing is a simple process you need to finish to qualify for My Bob’s Card, which comes from Wells Fargo.

Once you are approved for My Bob’s Financing card, you will get a credit line that you can use when purchasing in the store. There are three financing options you can choose from, depending on the furniture you want to purchase.

The store offers 30 months of financing terms when you get approved for the credit line and would like to purchase a piece of furniture amounting to $2500 or more. If your purchase has a total of $1200 or more, you can get 12 months of financing terms.

Lastly, if you would like to purchase a piece of furniture worth $399 or more, you can have up to six months of special financing. You can have a look at their website and check if you can qualify for the card, depending on your credit score.

You can pre-qualify for this card and prevent your credit score from being affected by furniture loans. Another option you can take a look at is the No Credit Needed Option. This option is only available for in-store payments.

The No Credit Needed option offers financing options or a lease-to-own option for their furniture. The application process is simple, and they offer flexible payment terms. Getting approved for special financing does not require your FICO score, but the brand still needs to check your credit history.

There is also no required down payment when you purchase furniture using their special financing. If you open an account, you can have that account open for up to 18 months. However, if you are inactive, the brand will close the account.

Just like the sites above, Bob’s Discount Furniture uses a “soft pull” on your credit score. This means that your credit score will not be negatively affected if you apply for a leasing loan or special financing when purchasing your furniture.

Furniture Mart

Do you love discounted furniture and flexible payment terms? Furniture Mart may be the best option for you. This market gives you multiple options for furniture like Mattresses, office pieces, and home decor. You can also take a look at their catalog or shop via their phone number.

Aside from this, they have clearance options so if you love affordable grabs, be sure to check their online website often. You also have multiple options when it comes to getting your furniture. You can pick up the furniture you bought for free and with no additional charges if you have stores near you.

Aside from clearance pieces, Furniture Mart also puts their furniture on sale. You can find exclusive sale items on their official website or by downloading their mobile application. You can also sign up for their newsletter so you can get notifications whenever they have a sale in the furniture store.

If you would like to get the furniture delivered to your house, you can also use their free drop-off option. However, this option does not include the assembly of the furniture. They also have a drop-off and assembly option for your convenience.

When it comes to financing, Furniture Mart offers flexible repayment terms no matter your current credit status. Their process is hassle-free and confidential, so you do not have to worry about your personal information’s security.

You can get special financing by applying for a credit card called The Furniture Mart. Getting qualified for this credit card gives you special financing for up to 72 months, depending on your purchase. The card also gives users discounts and offers that are exclusive only to those who applied for the card.

Furniture Mart also offers no credit-required progressive leasing terms. This option does not require any credit check financing and only requires you to answer an online application. After answering the application, you can get almost instant approval.

You will have the option to pay out your lease within 90 days, and the amount you need to pay depends on your monthly income. However, this option is not available in some states like Wisconsin and Minnesota. Check their website for all the states that accept lease agreement financing options for purchasing furniture.

Aside from having the longest special financing options through their credit card, Furniture Mart also has responsive customer service. Their phone number can be found on their official website, and they also have a live chat feature that you can use if you have any inquiries.

Furniture Financing with No Credit Requirement

If you require a piece of new furniture but require special financing, you have multiple options when it comes to financing. Online Lender networks and platforms connect you to lending partners that can lend you the loan you requested.

This option is great for people who are looking to rebuild their credit scores because you will have a record of your repayment given to a credit bureau. Online lender platforms are more flexible when it comes to loan terms and maximum loan amounts.

If you need higher loan amounts, this option is good for you. Depending on your credit history, lenders can give you loan offers of up to $10,000 or more. The lenders will provide you with lending terms and repayment options that you need to review before agreeing.

The process for signing up with these platforms is simple and quick. You can complete their online forms within minutes and get connected with multiple lenders. These platforms have multiple lending partners, giving you competitive rates and more loan offer options.

Another benefit to choosing online lending platforms is that you can directly go to a furniture store and check the furniture yourself. Once your loan is approved, you can get the financing directly to your bank account within one business day.

The platform should not be confused with being a lender. They only serve as a bridge connecting a borrower and a lender and coming to an agreement. The online lender platform above does not require a specific credit score, and you can apply even if you have bad credit.

Online lender platforms do not use Hard Credit inquiry on your credit report. Instead, they use a soft pull or soft inquiry to your credit history and report. A soft inquiry does not decrease your credit score when applying for a personal loan.

Another option you can take is in-store furniture financing. If you would like to purchase the furniture straight from the furniture store and receive special financing, this is for you. There are two kinds of special financing offered by some retail stores.

A credit line is one of the flexible financing options some furniture stores offer. Applying for a line of credit will give you a credit card from that furniture store. This credit card can come with months of special financing assistance.

However, some stores require a specific credit score to get qualified for that store’s credit line. People with bad credit scores may get declined for this option. Getting approved for that furniture store’s credit line will instantly give you a specific amount of credit you can use to purchase your furniture.

Qualifying for a credit line can also give you multiple benefits and perks for that specific store. Some stores offer free shipping and exclusive discounts when you open a line of credit with them.

The last option that in-store financing offers is a no-credit needed option. This option typically refers to a lease-to-own option. You do not need to have a specific credit score to apply for this financing option.

You will be given a specific number of months to repay your loan amount on a weekly or monthly basis. After completing all your loan amounts, the ownership of the furniture or product will be transferred to you.

The repayment term can vary depending on the store. It can last anywhere from 3 months to a year. However, if you fail to follow through with your monthly or weekly payments, the furniture store has the right to repossess the product, and it can also negatively impact your credit score.

Is It Possible to Be Approved for Furniture Financing With No Credit History?

Yes, it is possible to be approved for furniture financing without a credit history. One of the best ways to do this is by applying for a personal loan using an online lender platform. These platforms connect you with lending partners that can give you financing assistance.

After you connect with the lending partner, they will give you the money you requested, and you can use this money to purchase the furniture you want. The rates and fees you need to pay back over time will depend entirely on your lender’s terms.

This type of loan can also increase or rebuild your credit score. Your equal monthly payments will be recorded and given to a credit bureau. This will help build your credit history if it is your first time taking out a personal loan.

Personal Loan platforms are also versatile, and you can request a loan for other reasons like a vacation or purchasing a new vehicle. This option is great for people with no credit history because the lenders only do a soft inquiry, which does not decrease your credit score.

You can also look for financing options on most furniture stores. Some furniture stores offer competitive pricing and financing options to get sales. Even if you have no credit history, you may get flexible repayment terms, so always ask the staff for options.

Most stores also offer massive discounts and sales for their furniture if you ask for special financing assistance. However, to get approved for these options, you may need to put a down payment as assurance for the brand.

Many people will also offer you to open a new line of credit that you can instantly use once you are qualified. This line of credit can give you longer repayment terms compared to lease-to-own options.

Most Convenient Furniture Stores to Increase your Credit 

If you are looking to increase your credit score when purchasing a new piece of furniture, your best option is to use their lease-to-own feature. This option allows you to get the furniture you want immediately and pay back the loan amount later.

Depending on the store’s terms, you may need to pay back the loan amount monthly or weekly. It is best to look for initial payment terms that you can keep up and follow through every month. If you fail to keep up with your equal monthly payments, the store can repossess your furniture.

Even if you already paid multiple months into your leased furniture, you still need to return the furniture that you purchased. The ownership of the furniture will not be yours until you pay off the total price of the furniture.

Not following through with your convenient monthly payments can also negatively impact your credit score instead of increasing them. If you would like to have better repayment terms, you may want to look at lenders who can give you personal loan offers.

Lenders can give you longer repayment terms depending on your monthly income. If you are having trouble repaying your lender, you can consider refinancing. Refinancing is asking for a revision of the loan agreement between you and the lender.

Can I purchase Ashley Furniture without Checking my Credit?

Unfortunately, Ashley Furniture always performs a credit score check when you use their financing option. You can get their line of credit and have longer repayment terms, but it varies on the furniture you are going to purchase. Some lines of approved credit have minimum purchase requirements as well, so keep that in mind.

Their financing partners will require your credit history and report. They have different financing partners, and you will get different terms for each option. Having a bad or low credit score can cause you to get declined for these financing terms.

Can I use Furniture Financing in Rooms to Go?

Another huge furniture brand that many people prefer is Rooms to Go. The brand is known for sleek, modern room sets that can fit anyone’s taste. However, this brand does not offer financing terms without requiring your credit score report.

You can, however, apply for their line of credit approval to have better financing terms. The brand will need your credit history and report. People with bad credit scores typically decline. However, it is still possible to get approved credit even if you have bad credit, but you may pay higher interest rates and fees.


Having a bad credit score should not prevent anyone’s ability to purchase new pieces of furniture to improve their home. If you would like to buy new furniture without going through a hard credit check inquiry, you can take a look at personal loan platforms.

These platforms can connect you with lenders who are willing to give you loan offers despite having low credit scores. Furniture stores also offer lease-to-own options that you can use if you would like to increase your credit score when purchasing new furniture.

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