Furniture is essential for any new home, condo, or apartment. Furniture will include a bedroom, living and dining room set. You may also be interested in electronic items such as televisions, radios, and computers.

Bad credit can prevent you from getting the things that you want. If you have poor credit, many lenders will not take you seriously and offer you a personal loans. We don’t want you to live without furniture in your home. Below is a list of top seven stores that provide furniture financing for those with poor credit. This article will include information on bad credit loans and how to get approved for them.

It is worth reading and deciding how you want to manage yourself.

1. Rent-A-Center


Rent-A-Center is one of the most popular places you can go to get bad credit furniture financing. The company was founded in 1973. Its headquarters are in Plano Texas. Rent-A-Center owns nearly 2,500 stores throughout the United States, Canada and Mexico. This is an excellent place to go if you’re looking for bad credit furniture financing. Rent-A-Center’s financing process has nothing to do with your credit score, so it doesn’t matter if you have a good one or not. You can still obtain all the furniture you need, and it will be yours in a very short time.

What they have to offer

Rent-A-Center provides everything you need to complete a home. The furniture category includes complete living and dining rooms as well as bedrooms. If you require them, you can also buy lamps and TV stands. If you need appliances, it’s no problem. Rent-A-Center offers bad credit furniture financing to buy refrigerators, stoves freezers, dishwashers and other appliances.

Rent-A-Center is also available to meet your office needs. A variety of manufacturers offer bad credit furniture financing. If you’re into gaming, you can finance one of the latest and greatest gaming systems if you desire. You can also purchase a TV with or without a home theatre system. Rent-A-Center also offers smartphones. Rent-A-Center can sell smartphones, so you can literally get whatever you want from this provider.

How their process works

Rent-A-Center’s application process is very simple. You can request an item online or in one of the stores. Rent-A-Center will need to fill out a quick application. They will also need your pay stubs in order to verify that you are working.

After getting approval from Rent-A-Center for bad credit furniture financing, you will sign the finance contract and make your first payment. You can make payments monthly, weekly, or biweekly.  You have the option to choose how you wish to pay for your furniture. Delivery persons will deliver your furniture at the time you have agreed to. You will be responsible for paying each installment until the full amount is paid. Once you’re done paying for your furniture, it’s all yours. Rent-A-Center offers additional items for rent or you can keep the one you have and be completely satisfied.

2. Aaron’s


Aaron’s is another store that offers bad credit furniture financing. It’s classified as a lease-to-own store, which perfectly describes this process. Aaron’s first opened its doors in 1955. The company employs nearly 2,000 people in the United States. Aaron’s also has more than 11,000 employees and earns approximately $3 billion a year.

What the Store Offers

Aaron’s offers a lot of the same merchandise that Rent-A-Center offers. You can find bedroom sets and televisions as well as desktops and their monitors. Freezers and air conditioning systems are available too!

How the Process Works

Aaron’s is a bit different from Rent-A-Center in its approach to approving customers. If you have a clean record, you may be approved. Before you receive the furniture, the first bill must be paid. After Aaron’s delivers your furniture, you will have to start making your monthly payments. The typical term of furniture financing for people with bad credit is 12 to 24 months.

3. Fingerhut


Fingerhut is more like a bad credit lender than a provider of bad credit furniture financing. William Fingerhut, the founder of the company, opened its doors for the first time in 1948. Fingerhut is a leading provider of furniture financing for bad credit. However, it also offers a wide range of goods to consumers. The company employs more then 6,000 people and earns more $500 million annually.

What they have to offer

You will find many items on the website. You can shop for furniture, clothes, shoes, electronics and housewares. You can also buy office equipment, phones, exercise equipment, and other office items. You can not only furnish your home with this company, but also improve your wardrobe.

How it works

Anyone interested can apply online for a Fingerhut Account. They will receive an answer quickly. Once approved, new customers can order the items they want. They will then pay monthly installments to the company to repay the furniture.

Two types of furniture financing are available from Fingerhut for customers with bad credit:

  • One credit line is the “Fresh Start” line. It’s something that the company offers to people who have severely damaged credit profiles. It is a personal credit line, not a revolving credit. Fingerhut approves new clients first for this line.
  • If you pay all of your bills on time, you will be eligible to graduate to the next stage, which is a Full-fledged credit accounts.

Fingerhut is a top company for credit line increase. They periodically review their customers’ payment histories and automatically give them regular credit line increases when they pay their bills on time. They are a great company for anyone who wants to rebuild their credit and is willing to pay his bills on-time. Fingerhut has helped many people rebuild their credit and strengthen their reputations after bankruptcy or foreclosure. These people have access to a whole range of loan products because Fingerhut was their recovery shop.

Fingerhut can help you rebuild your credit score.

4. FlexShopper


FlexShopper is a fairly new lease-to-own type provider where you can get a vast assortment of furniture and other items online. This company makes it easy to get the items you want, even for those with bad credit. It is easy to get these goods. As long as the applicant meets the criteria, approval can be granted to anyone.

What they have to offer

FlexShopper sells a wide variety of items, from furniture to microphones and television. They sell exercise equipment, home appliances and outdoor furniture as well as tires. FlexShopper gives its customers a line credit up to $2,500 that can be used to purchase a variety of items on the online store.

How it works

To be eligible to open a FlexShopper Account, the applicant must be at minimum 18 years old in order to sign a contract. The applicant must also have a source of income and a bank account in good standing.

The initial process takes approximately five minutes. The applicant will need to provide his or her name, address, phone number, and any additional information. After this is completed, the applicant will need to provide FlexShopper with a bank number. FlexShopper will connect to the bank account and then determine whether the person is eligible for credit. The decision will be made immediately and the consumer can then start shopping immediately.

The FlexShopper lease contract is for 12 month with weekly payments. The payments will be automatically deducted from the person’s bank account. If the consumer makes all of his or her timely payments, the item will become that person’s item. The customer can also lend out the lease agreement at anytime. FlexShopper must be notified that the customer does not wish to purchase the item and that they return it in perfect condition.

5. Snap Finance

Snap Finance

Snap Finance is a company that is around specifically for customers who have bad or damaged credit. They have a simple application process, and a credit line up to $3,000. The company was founded in 2015 and is headquartered in Utah. The company is listed as a specialty finance company.

What they have to offer

Snap Finance offers a vast assortment of goods for consumers with not-so-perfect credit. There is a furniture section. You can use them to finance your furniture with bad credit. They offer a wide selection of products including tires and wheels, mattresses, electronics and appliances, as well as jewelry and mobile phones.

How it works

The application for furniture financing for people with bad credit takes less than five minutes to complete. The application asks for the applicant’s name, email address, and phone number. Before the applicant can proceed with the application, they must complete the verification via SMS. After the application has been submitted, the applicant will be notified about the decision regarding a credit line. He or she will know exactly what’s available to spend, and the individual can start using that credit line immediately. The repayment style will be based on the consumer’s agreement with the company.

6. Ashley Furniture

Ashley Furniture

Ashley Furniture is a Wisconsin-based company that has been in business since 1945. They offer furniture loans for people with bad credit who are looking to furnish their homes. The deal at Ashley’s is not lease-to-own. It’s an actual finance deal, and the consumer has to sign a contract to get it. Qualified applicants are eligible to get the items they want, and they can be paid off within 60-months. Ashley Furniture offers many discounts and deals to its customers. If you are a new client, you can get amazing deals right away.

 What They Offer

Ashley Furniture is a furniture store. It sells bedroom sets, kitchen furniture, and living room items. They also sell lighting, rugs and holiday decor. Shoppers can also find outdoor furniture if they’re looking to furnish the entire home. There are also a variety of outdoor furniture. “deals”Section that visitors can view if they are looking for specials to take advantage of the day their credit application is approved. Customers can receive up to 75 percent off their first purchase.

How it works

Ashley Furniture is different than the other companies we have mentioned today, as they don’t offer financing without credit checks. They do however offer financing for furniture with poor credit. Their bad credit furniture financing starts with the approval of debtors who have credit scores that are as low as 550. They will still approve them and allow them to get traditional financing on furniture they desire. The consumer must be 18 years old and able sign a contract to qualify for financing. To be approved, the person must fill out a form and provide proof of income. Once approved, the person can start shopping for furniture.

7. Elgin Furniture

Elgin Furniture

Elgin Furniture is based in Ohio, and it offers credit lines to consumers without checking their credit. They first started operating in 1949, and they’ve been helping consumers to get bad credit furniture financing since then. Elgin Furniture is proud to serve Ohio and the surrounding areas. They have many satisfied customers. Three things are promised to their customers: next-day delivery, no credit required, and a low guarantee price.

What they have to offer

Elgin Furniture does not sell a wide range of products. It focuses exclusively on furniture-related items. Elgin Furniture sells mattresses, home office products and televisions. They also have living rooms, bedrooms, dining rooms, and televisions. They also offer a wide range of home decor and appliances. There’s a section that offers markdowns for people who want to get the most savings they can possibly get. It’s a separate category of items that have been marked down for different reasons. The most common reason that something gets marked down is that it didn’t sell quickly enough. This means customers can get amazing furniture at a fraction of the normal price.

How it works

Elgin’s finance application is pretty straightforward. It asks for the customer’s name, date of birth, social security number, address, and mobile phone number. The company gathers more information and the applicant is able to find out if he or she has a credit line. A new client can shop immediately. The client will then pay the product in monthly installments over 18 months. The buyer can pay the full retail price of the item within 90 days after purchasing it.

These are just a few places where a consumer can get bad credit furniture financing. To find out if they are eligible, interested persons should check out these seven establishments. If everything goes according to plan, the consumer may be able to furnish their entire house with furniture financing for bad credit. You don’t have to worry about furniture financing. It’s easy to get furniture with all the options for bad credit furniture financing. There are many companies that can offer furniture financing, and they will all be happy to help a new client.

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