Furniture may not be as essential as food and clothing, however, there are very few of us who can actually imagine living without it. Can you imagine your living room without the sofa, your dining room without the table and chairs, your kitchen without the countertops, your bedroom without a bed?
You’d soon grow tired of sitting on the floor, having all your clothes and other possessions lying on the floor, sleeping on the floor … you get the picture, right? As such, it is needless to say that proper furniture is an essential part of every home.
However, it is also important to address the fact that furniture can be extremely expensive. Luckily, there are many relatively affordable options where average Joes and Janes can purchase solid furniture at relatively affordable prices. Yet, when you need to purchase several larger pieces of furniture, you soon meet your budget limits and find yourself in quite a tricky situation.
If you are in need of new furniture but lack money to make the purchase,without credit check furniture financing may be a perfect solution for you.
In today’s article, we will take a closer look at some of the best no credit check furniture financing options that you can make work in your advantage.
We will split the no credit check furniture financing discussion into three separate sections, including in-store no credit check furniture financing, personal loans for bad credit, and credit cards for bad credit. All together we will present you with 13 valid options, each accompanied with a short description and some essential information.
In addition, we will also provide some basic guidelines for you to follow to obtain the furniture you need or want by making no credit check furniture financing work for you.
Without further ado, let’s dig in, shall we?
In-Store No Credit Check Furniture Financing
In this section, we will cover four reputable furniture stores, where you can get financing even with bad credit. Of course, there are many other stores that might offer similar payment options, thus make sure to check with the store of your preferences what option they make available. Select the store that will offer you the kind of no credit check furniture financing that suits your needs and your financial situation.
Furniture Mart
Furniture Mart offers three financing options. All of these are also easily accessed online. Moreover, special financing via a Furniture Mart USA Credit Card is available for various periods, which can be anywhere from six to 60 months. Furniture Mart’s leasing plan offers a flexible payment schedule. There is also no minimum credit score necessary for that plan. Moreover, a layaway option that requires a 25% downpayment in also available. If you decide to go with Furniture Mart’s no credit check furniture financing options, make sure to visit their website or call their support to obtain the most up-to-date information.
Jack’s Warehouse
Jack’s Warehouse is another reputable furniture store that provides no credit check furniture financing. Furthermore, you may also qualify for their no-interest payments offered for the first 90 days, which is a rather kind gesture on their end. A credit score is not needed for financing, though, you’ll need proof of six months’ employment and a checking account. Jack’s Warehouse will ship to you as long as you are located anywhere in the contiguous U.S. If you decide to go with Jack’s Warehouse’s no credit check furniture financing options, make sure to visit their website or call their support to obtain the most up-to-date information.
Bob’s Discount Furniture
Bob’s Discount Furniture is the third furniture store on our list that offers no credit check furniture financing. They let their customers select a monthly payment plan that works best for them. In addition, their No-Credit-Needed Payment Option offers you a chance to build a good credit history for future purchases. Keep in mind that this option can be applied for online, however, it can’t be used for online purchases. My Bob’s Card is another option offered by Bob’s Discount Furniture, though it requires a credit check before offering a line of credit. If you decide to go with Bob’s Discount Furniture’s no credit check furniture financing options, make sure to visit their website or call their support to obtain the most up-to-date information.
FlexShopper
FlexShopper is the final furniture store on our list that offers some sort of in-store no credit check furniture financing. With FlexShopper, you can get lease-to-own financing on thousands of items, including furniture for your entire home. They provide you with very flexible credit requirements. The great thing about the FlexShopper is that they don’t require money down from qualified applicants. Though, keep in mind that they may require a small deposit and/or payment from a small portion of users. To qualify, you’ll need to have a bank account and earn at least $1,000 a month. If you decide to go with FlexShopper’s no credit check furniture financing options, make sure to visit their website or call their support to obtain the most up-to-date information.
One of the major downsides of in-store financing is the risk of potentially high-interest rates attached. Paying interest over time could noticeably strain your budget. In addition, you are limited by the furniture store’s policy and its requirements that may vary a lot. Before you apply, make sure to read through the details of the plan. That way you know exactly what you’re signing up for and avoid any unwanted surprises
Personal Loans for Bad Credit – No Credit Check Furniture Financing Option
The above-presented no credit check furniture financing options were all focused on specific stores. In this section, we will take a closer look at the more general types of no credit check furniture financing options that are offered by financing professionals or lenders. This option is more general, as it lets you use the loan in any furniture store you want. We will take a closer look at four lenders that offer decent no credit check furniture financing solutions.
CashUSA.com
- Loans from $500 to $10,000
- All credit types accepted
- Receive a loan decision in minutes
- Get funds directly to your bank account
- Use the loan for any purpose
- Interest rates: 5.99% – 35.99%
- Loan term: 3 – 72 months
- Loan Example: $5,000 at 18.9% APR = $179.35/month for 36 months ($6,456.68 total)
If you decide to go with CashUSA.com’s no credit check furniture financing options, make sure to visit their website or call their support to obtain the most up-to-date information.
CreditLoan.com
- Loans from $250 to $5,000
- Cash deposited directly into your account
- Get money as soon as tomorrow
- Bad credit OK
- More than 750,000 customers since 1998
- Interest rates vary
- Loan terms vary
- Loan Example: $4,000 loan at 15.0% APR = $193.95/month for 24 months ($4,654.72 total)
If you decide to go with CreditLoan.com’s no credit check furniture financing options, make sure to visit their website or call their support to obtain the most up-to-date information.
MoneyMutual
- Short-term loans up to $2,500
- Online marketplace of lenders
- Funds available in as few as 24 hours
- Simple online form takes less than 5 minutes
- Trusted by more than 2,000,000 customers
- Note: Not available in NY or CT
- Interest rates vary
- Loan terms vary
- Loan Example: $200 loan for 14 days = $230 paid back (391.07% effective APR)
If you decide to go with MoneyMutual’s no credit check furniture financing options, make sure to visit their website or call their support to obtain the most up-to-date information.
All of the three options above are able to provide various installment loans, that is if you qualify. With those options, you get to pay your loan off over an extended period of time, which is predetermined. However, the following option specializes in short-term loans of smaller amounts (up to $1000).
CashAdvance.com
- Short-term loan of $100 to $1,000
- Bad credit is welcomed
- Large network of lenders
- Loan decision super-fast; often is a few minutes
- Funding as soon as next business day
- Requirements: Income of $1000+/month and at least 90 days of employment (on job)
- Interest rates: 200% – 2,290%
- Loan terms: varies
- Loan Example: $200 loan for 14 days = $230 paid back (391.07% effective APR)
If you decide to go with CashAdvance.com’s no credit check furniture financing options, make sure to visit their website or call their support to obtain the most up-to-date information.
Credit Cards for Bad Credit – No Credit Check Furniture Financing Option
Credit cards may not be your first choice for no credit check furniture financing, however, they are a valid option. Like the option presented in the previous section, credit cards allow you to make a purchase in any furniture store you want, which gives you maximum freedom of choice. Herein, we will present you with five credit cards that we have found to be the best options for people with a poor credit score.
Surge Mastercard®
- All credit types welcome to apply!
- Free access to your Vantage 3.0 score From TransUnion* (When you sign up for e-statements)
- Monthly reporting to the three major credit bureaus
- See if you’re Pre-Qualified without impacting your credit score
- Fast and easy application process; results in seconds
- Free online account access 24/7
- Checking Account Required
- Application length: 9 minutes
- Interest rate: varies
- Monthly reports included
- Reputation score: 8.5/10
If you decide to go with Surge Mastercard®’s no credit check furniture financing options, make sure to visit their website or call their support to obtain the most up-to-date information.
Milestone® Mastercard®
- Prequalify for a card today and it will not impact your credit score
- Less than perfect credit is okay
- 24/7 access to your account information, even on mobile
- Card designs to fit your personality at no extra charge
- Account history is reported to the three major credit bureaus in the U.S.
- Application length: 8 minutes
- Interest rate: 24.9%
- Monthly reports included
- Reputation score: 9/10
If you decide to go with Milestone® Mastercard®’s no credit check furniture financing options, make sure to visit their website or call their support to obtain the most up-to-date information.
First Access Visa® Card
- Checking Account Required
- Reporting monthly to all three major credit reporting agencies
- Perfect credit not required for approval; they may approve of you when others won’t
- Easy and secure online application
- $300 credit limit (subject to available credit)
- The First Access Visa Card is issued by The Bank of Missouri according to a license from Visa U.S.A. Inc.
- Application length: 10 minutes
- Interest rate: varies
- Monthly reports included
- Reputation score: 8/10
If you decide to go with First Access Visa® Card’s no credit check furniture financing options, make sure to visit their website https://firstaccesscard.com/ or call their support to obtain the most up-to-date information.
Credit One Bank® Unsecured Visa® for Rebuilding Credit
- Find out if you Pre-Qualify without harming your credit score
- Eligible purchases earn 1% cashback rewards automatically, terms apply
- Get a credit line between $300 and $3,000 based on your credit history
- Accounts are automatically reviewed for credit line increase opportunities
- Choose your monthly payment due date for added convenience, terms apply
- With $0 Fraud Liability, you won’t be responsible for unauthorized charges
- Manage your account on-the-go with the Credit One Bank mobile app
- Looking to rebuild credit? We report to the major credit bureaus monthly
- View your Experian credit score online for free, terms apply
- Application length: 8 minutes
- Interest rate: 17.99 – 23.99%
- Monthly reports included
- Reputation score: 9/10
If you decide to go with Credit One Bank® Unsecured Visa® for Rebuilding Credit’s no credit check furniture financing options, make sure to visit their website https://www.creditonebank.com/ or call their support to obtain the most up-to-date information.
Total Visa® Card
- Checking Account Required
- Fast and easy application process; response provided in seconds
- A genuine Visa credit card accepted by merchants nationwide across the USA and online
- Manageable monthly payments
- $300 credit limit (subject to available credit)
- Reports monthly to all three major credit bureaus
- Application length: 9 minutes
- Interest rate: varies
If you decide to go with Total Visa® Card no credit check furniture financing options, make sure to visit their website https://totalcardvisa.com/ or call their support to obtain the most up-to-date information.
Note: All credit card companies are required to perform a credit check, as such, you will need to complete that portion for any of the above cards. However, they are not prone to declining those with bad credit scores, as such they are a good option for your furniture financing. Moreover, keep in mind that your purchasing power increases when you get a credit card. Though, keep in mind that you are spending borrowed money and that in order to avoid paying interest entirely, you need to make your payment on time and regularly.
No Credit Check Furniture Financing Guidelines
We have delivered what was promised. Above you’ve been presented with 13 no credit check furniture financing valid options. You can take a closer look at any of these or you may explore some other options. Keep in mind that some of these “no credit check furniture financing valid options” do actually require a credit check. To go with the option that best suits your needs and your current financial situation, make sure to look at all the details and fine print. Furniture is important but there are other more essential goods, ones you simply cannot live without. That said, here are the most important points to consider when deciding for no credit check furniture financing:
- If you are in a position where you cannot easily afford furniture, make sure to buy only those pieces of furniture that you really need.
- We all like nice things, however, make sure to consider your financial situation; select the most affordable furniture.
- If you have a particular furniture store in mind, always first check their no credit check furniture financing options. Those are the ones that normally offer the best terms and lowest interests.
- If in-store no credit check furniture financing options are not available or if you want to purchase at various furniture stores, then move on to considering loan companies or credit cards.
- Which even no credit check furniture financing options you go with, always take enough time to review all details and make sure you understand and are well aware of the extra cost (interests, fees, etc.) that the financing will cost you. If you are confident that you can afford that, proceed, if not, walk away and postpone furniture purchase.
- And lastly, don’t forget to enjoy and appreciate your new piece of furniture.
These are the most important guidelines to consider when choosing without credit check furniture financing. Whichever way you decide to go, make sure to account for your budget and select the furniture you really need.
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Best of luck!