Do you ever look at your credit score and wonder if you can ever get a loan or purchase something on credit? There are millions of people in the US with a bad credit score and struggling to meet their daily needs. If you are among those people and wish to acquire new furniture, I will guide you through some of the best furniture stores with easy credit approval.

Furniture is one of the important things that make you home or office feel more lively and welcoming. Furniture models keep on changing as time goes by, and people always do their best to be at per with these latest models. However, what if you don't have the finances? That should not worry you after you read this article. You will come to understand the best stores which will finance you without many complicated procedures with regards to credit.

These furniture stores that finance people with bad credit are strategically located across the US. This is quite better compared to the past, where only several furniture stores were available. Currently, all the furniture stores in the US will give you furniture of your choice as long as you have the credit card. However, some stores look at your credit score and other factors which I will address later in this article.

How to purchase furniture through the furniture finance procedure?

Furniture Stores With Easy Credit Approval

You may have no savings as mentioned earlier, but there is a need for you getting furniture. There are several well-established stores in the US, which will only be concerned with customer satisfaction over your credit issues. However, there are some stores which may seek further verification from your bank with regards to the credit approval and can also ask details of the place you live and other related issues. They do this so as to be sure you will pay for the furniture even if you purchased it on credit.

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These furniture stores that finance people with bad credit are the best only if you can pay off the debt before the deadline or on time. When you have found several furniture finance options, you should compare them with the following important factors:

  • Conditions if you defer payment
  • Monthly payment
  • Repayment period
  • APR or interest rates.

Top 10 furniture stores with easy credit approval

1) Hank's fine furniture

Hunk's furniture is the best option to get furniture with easy credit approval. First, they accept Master card, visa, Discover, and American express. Currently, they offer a promotional purchase whereby if you clear your debt by 2022, there will be no interest. Also, their approval rate for your credit is very fast. Once you are approved, you can get furniture from any of their showrooms which are located in various places across the US.

However, if you do not know the exact location, you can check out their website. Also, if you need a payment option without credit, you can apply to the Smart Sale and Lease, which has a partnership with Hank's furniture and they will finance you. Once you have applied, you will visit Hank's store of your choice and get the furniture.

2) Value City furniture

From the living room, office and bedroom furniture, Value city got you covered. They offer two financial payment options which do not require credit. The first is the rent to own opportunity whereby you are given the option to pay off your items within three months or more depending on what you will agree with them. Also, there is the option of locking the price such that in the future you can come and get the product at that price.

If you wish to get the furniture on credit, then you can apply very easily through their website. Currently, they offer zero interest if you make the full payment within 12 months. If you fail to complete the payments, interest will be charged on the promotional purchase from the purchase date. This means you may end up paying a lot of money. Besides the promotion regular terms apply to new accounts whereby the APR is 29%, and the minimum interest charge is $2

3) Rooms to Go

Rooms to go offer a wide variety of furniture in their stores located across the US. When it comes to credit approval, they have their own credit card where you can finance your furniture with o% APR. Also, there is no-annual-fee, and sadly, no sign-up bonus is offered. The benefit you will get is 180 days deferred period on all the purchases you make from Rooms to Go store. Other fees you are likely to pay are $15, which is late payment fee and $25 as returned payment fee.

Currently, the APR falls at 27.74%. The better part of the credit purchase is that no down payment is required and you will be interest-free for up to five years. The credit card option is managed and controlled by Synchrony bank hence if you have that type of credit card, it will be easy for you to get full approval faster and walk out with the furniture of your choice.

4) Pier 1 Imports City

Pier 1 is one of the few furniture stores that offer credit card rewards and approval at a very fast rate. Their APR varies with the market based, but it mostly ranges at 29%. If you wish to avoid paying interest, the best option is to pay your balance 25 days after the close of every billing cycle which happens every month. For credit cards, the minimum interest charge will never be less than $2 for every credit plan. Pier 1 Imports also charges fees based on returned payment and late payment.

For late payment, you are likely to pay up to $39, and the same applies to returned payment. If you have a poor credit score, they will still consider you for getting furniture. However, the verification and approval process may be longer compared to having a good credit score. For more information on Pier 1 Imports City furniture financing.

5) City Furniture

City Furniture is one of the home retailers with regards to furniture, mattresses, and home accents. Since 1994, the company has come up with very reliable ways of people getting furniture even if they do not have enough money. With the developing of digital networks, people using credit cards and wish to purchase furniture to City Furniture will get the best deal in the market. Once your credit is approved, you will get a zero interest rate for if you pay your monthly installments on time (mostly on 25-days cycle).

If you have a bad credit card score, you can apply for their store credit card which offers 12 months of deferred interest. This application procedure is quite simple since everything is done online, so you don't have to visit any bank or their local store. The good thing is that the credit card approval is quite fast, and within several business days, you can collect the card and be able to make purchases.

6) Ethan Allen

Ethan Allen is more of a global furniture store since some of their products are sold to other countries, mostly within Europe. The furniture found in the stores is of high quality, and even reviews seem to tell it all. If you visit the store and wish to purchase furniture with a credit card, they will request you for the card and check if you are eligible. The only time they will deny you purchase is when you have deferred payments.

However, if you qualify the approval rate is very fast, and on that same day, you will walk out of the store with the furniture of your choice. You can also apply for the Ethan Allen Credit card, which will also make work very easier for you since the verification process will be quite simple. If you wish to apply, visit their website, and they will direct you.

7) Big Lots

Big Lots offers several financial payment options aside from the credit systems. They are also among the companies which have many stores across the US. As for furniture quality, people have given positive reviews as to their durability and comfortness; hence, that should not worry you. Big Lots offers its credit card which you can apply online and get approval in a short time.

If you want furniture with your card, then the best option is to visit a store, and they will check your credit score. If the credit score is good, you will be able to get approval and go home with the furniture of your choice. People with bad credit scores can apply for the Big Lots card for faster processing when purchasing furniture from Big Lots.

8) Bassett Home furnishings

Bassett home furnishings offer several furniture's ranging from the sitting room to bedroom, kitchen, and many more. Just like other furniture stores, they offer their credit cards with the help of the bank of their choice. To apply, you can visit Bassett Home furnishings page where you will be required to fill in your details after which they will contact you for further verification. You can also visit a store near you for full clarification.

The approval rate is very fast, and the good thing is that if you pay the balance on time, no interest will be charged. The APR is 27% while interest may vary with the market conditions. The payment options are much automated, and you also get the chance to buy now pay later whereby your payment will be fixed until you complete the payment on time. If you fail to complete on time, interest will be accrued to your account, leading to bad financial deficits.

9) Macy's

Macy's is one of the oldest furniture stores in the US since it was established in 1858. Over the years, the company has come up with automated systems to help people finance their purchases with regards to types of furniture. They offer to finance based on the price of the furniture, and it varies with 18 to 24 months according to Macy's website. The application is made online after which an agent will be in touch with you to give you full details. As for credit approval, if you go to a local store when purchasing furniture, the approval rate will be quite fast.

However, if you purchase online, they will take some time before verifying and sending the furniture to the location of your choice. If you opt for credit, no interest will be paid between 6 to 12 months of purchase. For new accounts in the credit option, the APR is 29%, which is somehow similar to other platforms. You are also guaranteed of fast and reliant customer care.

10) Crate & Barrel

Crate and Barrel has one of the largest financial stores and employees across the US. The company is also known for its unique and urban design of their furniture. As for credit card approval, they have an automated system which will approve whether you are eligible for furniture or not. If you are eligible the terms with regards to payments, interest and other fees will be set after which you will be able to carry your furniture. They also offer credit cards which you can apply from Crate and Barrel website.

If you have a bad credit score, getting approval may take some time, and the only thing which will help you is having the Crate &Barrel card. There are other financial options like fixed closed payments and the simplest which is paying at the counter on the same day of purchase. If you have any issues with regards to credit, feel free to call the customer care that will help you with financial options.

Bottom line

Credit approval is not that fast in many retail stores. Some even consult your bank on the flow of money in your account and other related issues concerning your credit score. As for the furniture stores mentioned above, they have a reliable and credible system of getting your credit approved with minimal complications. Hence; if you decide, you want furniture feel free to compare the companies mentioned above.