None for leasing program $399 for 6-month credit card special financing Yes for store credit card no for leasing program Store credit card or AcceptanceNow leasing program None for Progressive Leasing and most financing plans $999 for 60-month plan Yes for financing plans no for Progressive Leasing In-house financing plans or Progressive Leasing $500 for store credit card special financing $50 for Affirm You can use the table below for a brief comparison of available financing options, then select any store or scroll for more details about interest rates, fees, and accepted payment methods. Late fees or repossession of the furniture can negatively impact your credit score.īefore financing furniture, be sure to have a clear understanding of the associated fees and interest to be sure you can afford the total cost of your purchase. While financing spreads payments out over several months, you may ultimately pay more than the furniture would have cost if you purchased it outright, due to interest and fees.Īlthough leasing programs don’t charge interest, they do charge service fees that also amount to more than the original price.Īdditionally, there are often hefty late fees for overdue or missed payments. Note that furniture financing at any store does come with some disadvantages. It offers in-house financing plans for up to 60 months, and it also offers a Progressive Leasing program with no credit check required for those with poor credit.īoth Wayfair and Ashley HomeStore offer interest rates and fee structures that are comparable to their competitors. If you prefer to shop at physical stores, consider Ashley HomeStore. It offers a store credit card with an interest-free financing period, and it also offers financing through Affirm, which approves customers with poor credit. If you’re looking for a wide selection of discounted furniture and you don’t mind shopping online, consider financing through Wayfair. Since Affirm reports to credit bureaus, making on-time payments is a way to rebuild your credit.īelow, we list the popular furniture stores that offer financing options. Other stores partner with the third-party company Affirm to offer financing approval for customers with bad credit.
Some stores also partner with Progressive Leasing or AcceptanceNow to offer lease-to-own programs. However, there are multiple furniture stores - both online and brick-and-mortar - that provide financing options.įurniture financing allows you to spread your payments out over several months using in-house financing plans or a store credit card. When buying furniture, it can be challenging to find exactly what you’re looking for within a specific price range, especially if you’re furnishing an entire home.
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