Bad Credit Furniture Financing

5 op Stores That Offer Bad Credit Furniture Financing

Whether you’ll you’ve recently moved into a new house, condominium, or apartment, you’ll need furniture. You’ll need a living room set, a dining room set, and a bedroom set. You could also wish to get some electrical things like televisions, radios, and laptops.

Unfortunately, your adverse credit might prevent you from obtaining the goods you want. If you have terrible credit, many lenders will not take a chance and provide you with a personal loan.

We don’t want you to be unable to furnish your home. As a result, we’ve compiled a list of the best seven stores that provide bad credit furniture financing.

This article will also feature information regarding negative credit loans and how to be approved for them.

Scrutinize it and determine how you want to handle yourself.

1. Rent-A-Center


Rent-A-Center is one of the most well-known places to acquire low credit furniture financing. The firm was founded in 1973, and its headquarters are located in Plano, Texas.

Rent-A-Center has about 2,500 locations in the United States and Canada, Mexico, and Puerto Rico.

What They Offer

Rent-A-Center has almost everything you’ll need to furnish a house or apartment. Complete living rooms, dining rooms, and bedrooms are available in their furniture category.

Lamps and TV stands are also available if required. It is not an issue if you need equipment. Rent-A-Center will provide poor credit furniture financing for refrigerators, stoves, freezers, dishwashers, and other appliances.

How Their Process Works

The application process at Rent-A-Center is straightforward. You may order a thing online or stroll into one of the numerous establishments to obtain what you need.

You’ll need to complete out a brief application and furnish Rent-A-Center with your pay stubs so they can verify your employment.

2. Aaron’s


Aaron’s is another business that provides furniture financing for weak credit. It’s labeled as a lease-to-own store, which precisely defines the procedure.

Aaron’s opened its doors for the first time in 1955. The firm presently employs over 2,000 people across the United States. Aaron’s also employs over 11,000 people and makes around $3 billion every year.

What the Store Offers

Aaron’s sells a lot of the same items as Rent-A-Center does. There are bedroom sets, televisions, desktop computers with monitors, etc. There are also freezers and air conditioning systems available!

How the Process Works

Aaron’s approach to consumer approval differs from that of Rent-A-Center. If you have a good credit history, you may be approved.

Before receiving the furniture, you must first pay the first bill. After Aaron’s delivers your table, you must begin making monthly payments. Furniture financing for those with bad credit often lasts 12 to 24 months.

3. Fingerhut


Fingerhut is a bad credit lender than a wrong credit furniture financing company. William Fingerhut is the firm’s founder, which was founded in 1948.

Fingerhut is a renowned source of poor credit furniture financing, but it also offers a wide range of other products to customers. The firm employs over 6,000 people and earns more than $500 million each year.

What They Offer

When you browse the website, you will notice several goods available for purchase. Furniture, clothing, shoes, electronics, housewares, fitness equipment, office supplies, cellphones, and more are available.

This organization can not only outfit your home, but it can also help you tighten up your clothing.

How it works

Those who are interested can sign up for a Fingerhut account online. We’ll be in touch with them as soon as possible.

After they have been accepted, new clients will order the items they choose. They will then pay back the corporation monthly installments for the furniture they purchased.

4. FlexShopper


FlexShopper is a relatively new lease-to-own business that offers a large selection of furniture and other things online.

The organization makes it simple for customers with adverse credit to obtain the products they want. Getting such items is a simple task. As long as they match the conditions, anyone can be authorized.

What They Offer

FlexShopper sells anything from furniture to microphones and televisions. They also sell workout equipment, household appliances, outdoor furniture, and tires.

FlexShopper provides its clients with a credit line of up to $2,500 that they may use to purchase a range of things from the online store.

How It Works

To sign a contract for a FlexShopper account, the applicant must be at least 18 years old. The individual must also have a steady source of income and a current bank account.

The basic setup takes roughly five minutes. The applicant must provide their name, phone number, address, and other information.

Once that is completed, the individual must provide FlexShopper with a bank account number. FlexShopper will connect to the bank account and determine whether the client is eligible for a credit line. The consumer will receive the choice instantly and may begin shopping.

Also Read: Equipment Financing With Bad Credit

5. Snap Finance


Snap Finance is a corporation that exists solely to serve individuals with poor or damaged credit. They provide a simple application process and a credit line of up to $3,000.

The firm was founded in 2015 and had its headquarters in Utah. The firm is classified as a specialty financing company.

What They Offer

Snap Finance provides a wide range of items to customers with less-than-perfect credit. There is a furniture area. As a result, you might think about them for bad credit furniture financing.

They do, however, sell a large variety of items in the areas of wheels and tires, beds, electronics, appliances, automotive audio, jewelry, and mobile phones.

How It Works

The application procedure for bad credit furniture financing begins with a five-minute application. The applicant’s name, email address, and phone number are requested in the application.

Before proceeding with the application, the applicant must go through the SMS verification process. After completing the application, the individual will be notified of a credit line decision.

They will know precisely how much money is available to spend, and the user can begin utilizing that credit line right now. The consumer’s contract with the firm will determine the repayment method.