Best Companies That Accept Bad Credit Furniture Financing

Written by Sukia Akiba

The right furniture should make a house more comfortable to live in. You can actually save a lot by getting makeshift chairs or any cheap furniture. Unfortunately, it will be difficult for guests to feel comfortable in your home if they have to stand, sit on the mattress or on hard, rough surfaces.

This is why many individuals opt for furniture financing to get the best furniture for their home and pay back in an economical and convenient way.

Unfortunately, it is quite difficult to get furniture financing if you have bad credit. Most lenders would want to avoid giving loans to borrowers with a poor credit score and bad credit history.

A bad credit score is anything below 630 and if your credit score is below this figure then you’d have to get ready for high-interest rates and limited opportunities if you ever choose to apply for a loan.

Fortunately, there are several companies that accept bad credit furniture financing without requesting for down payments.

1. FlexShopper

FlexShopper is one of the top bad credit furniture financers helping over 130,000 customers get the right products with the best repayment plans.

With FlexShopper, you will have to make payment for the furniture on a weekly basis and within a period of 12 months or less to own the furniture. FlexShopper provides up to $2,500 instant spending limit for successful applications.

Although the company accepts bad credit, it has other general requirements that the individual must meet before being considered for a lease.

To apply you must

  • Be at least 18 years of age (some states have different age requirements)
  • Have a steady source of income
  • Be a citizen of the U.S (you might not be eligible if you reside in Minnesota, Wisconsin and New Jersey)
  • Have an active bank account for a minimum of 90 days.
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Good credit will increase your chances of getting approved as the company does not accept all borrowers with bad credit.

2. Jack Warehouse

Jack Warehouse is a more convenient option for those seeking furniture financing. The company does not check your credit score when offering a loan. This makes it a good option for those with a credit score lower than 600.

Unlike, FlexShopper, they are available in all states in the US and accept individuals from every state. When it comes to requirements for qualification, things get even better. To qualify you will only require a checking account and an employment status longer than 6 months.

With Jack Warehouse, you wouldn’t have to worry about high-interest rates even if you have bad credit. Successful applicants are not charged any interest for the first 90 days of the loan period which makes it easier to pay back.

Loan periods can be extended to 12 months depending on the type of furniture purchased. Payments are made on a monthly basis which is more convenient for most salary earners.

Jack Warehouse offers a 12-month protection plan for their furniture. You can also get a 5-year extended warranty on any furniture you wish to purchase from the company.

3. Bob’s Discount Furniture

Bob’s Discount Furniture has several options for individuals with bad credit. You can apply to receive available revolving credit lines, however, your credit must be approved.

With this option, you can get 6 months special financing on any approved purchase above $399 and 12 months special financing on any approved purchase above $1,200. Only go for this option if you have a good credit score as that will increase your chances of getting approved.

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For those with bad credit or no credit, you will have to consider a lease option. The company offers a lease option which doesn’t rely on credit score for approval. Monthly payments plans are available for approved applications.

For the first option, you will not be charged any interest. That is if you are able to make payments in full within the promotional period. This period could be 6 or 12 months depending on the value of the order.

To qualify, you will need to be a U.S. Citizen, be at least 18 years old, and have a verifiable source of income.

4. Furniture Mart

Furniture Mart offers three financing options to prospective customers which can be accessed online. The plan you go for will depend on your credit score.

It’s special financing via a Furniture Mart USA Credit Card is available for a period of 6 to 60 months. For those with no credit or bad credit, you will have to opt for its leasing plan. Its layaway option requires a 25% down payment.

Furniture Mart is an expensive option to consider compared to the other financers on our list. Its interest rates are quite high making it tough to keep up with payments if you are going for really expensive furniture. However, it does not have strict requirements on any of its financing options.

Its requirements for qualification are similar to that of other financers on our list which makes it a good option to try out for those seeking bad credit furniture financing.


There are several other financing companies that offer loans to borrowers with bad credit for the purchase of furniture. However, these companies do not offer their loans specifically for the purchase of furniture instead they offer it as a general loan.

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The downside of taking a loan from these companies is the high-interest rates you will have to put up with from the beginning to the end of the loan period.

Unlike the financers on our list that don’t request or attach an interest rate to loans if paid within the specified promotional period, these other lenders will attach their APRs which may be variable or fixed depending on the lender.

It is better to stick with the furniture financers listed above as your credit score has little impact on the amount you are entitled to receive and the loan period.  You can pick any option from the companies above and get bad credit furniture financing with ease.

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Sukia Akiba

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