New York (Washington Insider Magazine) — You can save a lot of money by not buying furniture for your home but it can be invariant to live in a home without furniture. You will get tired of sitting on the floor and having no place to eat. Sleeping on the floor could cause back pains as well. Your home should not be a place of discomfort for you. This is why you must buy high-quality furniture when you move to a new place.
Most people think that they cannot afford to buy furniture. However, it is important to furnish your home within your budget as this will make your home comfortable. The good news is that furnishing your home with comfy furniture doesn’t have to break the bank.
There are a variety of financing options that new home buyers can take advantage of. If you have poor credit, you can still gran the chance of financing through a furniture store or a personal loan. Choosing one of the best bad credit furniture financing options will allow you to live in a fully furnished home.
5 Best Places To Finance Furniture With Bad Credit
We have outlined the 5 best places where financing furniture with bad credit is possible. Some stores can also help you to improve your credit score if you are willing to make your payments on time. Even with bad credit, you get the chance to get financing directly from some furniture stores. The following stores offer the best payment plans for people with all types of credit:
1. FlexShopper
FlexShopper is one of the best furniture stores that makes financing furniture with bad credit easy and hassle-free. You can get a lease and get financing on thousands of items available at the store. The store has a wide variety of furniture options suitable for every room.
You can also get flexible credit requirements and choose the furniture of your dreams for your new home. FlexShopper doesn’t demand any money from qualified applicants. You may be required to pay a small deposit. The person looking to get finance must earn at least $1,000 a month and must have a bank account to qualify.
2. Aaron’s
Aaron’s is a lease-to-own option that does not offer minimum credit score requirements. Aaron’s allows the customers to get “lease ownership” plans. These plans are 12, 18, or 24 months long and help you to purchase with a manageable amount of money. The customers can choose the payment due date while setting up the automatic payments. The store offers a wide selection of brand-name products and will allow you to furnish your home with style and class.
3. Bob’s Discount Furniture
Bob’s Discount Furniture allows customers to choose from many different monthly payment plans. You can choose a plan that works well for you. The No-Credit-Needed Payment Option will also give you the chance to build a good credit history. Customers can apply for this financing option online and can only use it for making online purchases of different furniture items.
4. Furniture Mart
Furniture Mart offers customers three financing options. All of these options can be easily accessed online. Special financing via The Furniture Mart Credit Card can be used from six to 72 months.
Furniture Mart’s leasing plan provides the customers with a flexible payment schedule and you can show the minimum credit score. There is also a layout option that will require you to pay a 25% down payment.
The downside of this store is that they have potentially high-interest rates. You might end up straining your budget by paying interest over time. The store also limits you with a policy and has various requirements as well.
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5. New Lots Furniture
New Lots Furniture has been in the business for years and has satisfied hundreds of buyers. It can be difficult to find an understanding financing partner these days but New Lots Furniture is an exception. Unlike banks, the store doesn’t have tight lending standards. New Lots Furniture makes it easy for customers to access credit.
They offer to purchase or lease plans that are allowed to use over a 95% approval rate. These plans allow the customers to get financing and buy the furniture they wish to buy quickly. Whether you are buying a furniture item or leasing it, you will get an opportunity to get access to luxury furniture in your home and can get it with flexible payment plans.
