The 14 best furniture stores with

The 14 best furniture stores with

There are several furniture stores that offer easy credit approval.

These stores have fácil and straightforward application processes and offer instant approval decisions, usually within minutes of applying.

This allows you to make large furniture purchases without paying the full amount up front, completing a lengthy application process, or waiting several days for approval.

Although most of these stores do not have strict credit requirements, many also offer specific financing options for customers with poor credit or no credit history.

Some don’t even run a credit check.

Typical financing options include store credit cards, special long-term financing plans (usually interest-free or reduced interest), or lease-to-own options through Progressive Leasing, a third-party payment company.

With Progressive Leasing, you take the item home immediately and make payments over time until it’s paid off (and it’s yours).

You cánido apply for a store’s Progressive Leasing program directly at checkout.

Some of the stores listed below also partner with Affirm to offer financing to customers with credit problems.

You must apply for Affirm financing separately, but you cánido usually do so directly from the store’s checkout page.

Affirm reports to the leading credit bureau Experian, so making timely payments cánido improve your credit.

Below we’ve listed furniture stores that offer quick and easy credit approval, including information on financing options and the application process, as well as some criteria you cánido use to choose the furniture store that’s best for you. .

What we recommend

The decision of which furniture store to choose will ultimately depend on your priorities and credit history.

If you have bad credit but still want access to a wide selection of furniture at low prices, Wayfair will probably be your best option.

Your partnership with Affirm allows you to approve most customers for financing, and making payments on time will improve your credit.

If you prefer to buy furniture in a physical store, you may want to consider Ashley HomeStore, which offers long-term financing options, or progressive leasing with no credit required, depending on your credit history.

If your credit score falls at or above the “fair” range (usually around 580 or higher), you may want to open a store credit card to gain access to interest-free financing plans.

La-Z-Boy and Crate & Barrel offer special financing with their store credit cards, and both have a reputation for providing high-quality furniture at a wide range of prices.

Comparison chart

Use the table below for a quick comparison of the stores on our list, then select any name or scroll for more details on your financing options.

StoreFinancing/leasing planCredit requirementsDown paymentMinimum amount
Ashley HomeStore Progressive Leasing / Long-term financing plans Not provided for Progressive Leasing; varies for financing plans None It varies
Atlantic Bedding & Furniture Progressive Leasing no credit needed $49 None
Big Lots Progressive Leasing no credit needed First lease payment (minimum $49) $150
Coleman Furniture Financing through Affirm Poor It varies None
Conn’s Home Agregado Progressive Leasing no credit needed It varies None
Crate & Barrel store credit card Fair None Varies depending on the duration of the refund
Ethan Allen store credit card Fair None $1,500 for 36-month plan; $0 for shorter plans
Jordan’s Furniture Long-term financing plans Fair None None
La-Z-Boy store credit card Fair 35% for special orders; none for full financing It varies
Raymour & Flanigan Long-term financing plans No established requirements None $300 to $1,500; depends on plan
R.

C.

Willey

 Long-term financing plans Fair None $299 to $1,999; depends on plan
RH Furniture Financing plans and line of credit Not disclosed None None
Shop Factory Direct Progressive Leasing no credit needed First lease payment None
wayfair Financing through Affirm Poor It varies None

The list

We’ve put together the following list of information about furniture stores that offer easy and instant credit approval, starting with the stores with the best reputation and value.

1.Wayfair

  • Points of sale? No
  • Financing Options: Three, six and 12 month plans through Affirm
  • Minimum credit requirement: There are no equipo requirements; Multiple factors considered for approval
  • Down payment required: In some cases, a down payment will be required if Affirm is unable to finance the full amount.
  • Minimum purchase: None
  • How to request a loan: Shop on the Wayfair website and choose the financing option at checkout.
  • start shopping

2.Ashley HomeStore

  • Points of sale? Yeah
  • Financing Options: Progressive lease or six month, 12 month and 60 month plans
  • Minimum credit requirement: Multiple factors are considered for progressive leasing; varies for other special financing plans
  • Down payment required: None
  • Minimum purchase: Varies depending on the type of financing
  • How to request a loan: Complete the en línea application for Ashley HomeStore credit before you buy or at checkout
  • Start shopping or visit an Ashley HomeStore

3.

La-Z-Boy

  • Points of sale? Yeah
  • Financing Options: Special 12-month financing with La-Z-Boy Furniture Galleries credit card
  • Minimum credit requirement: Fair
  • Down payment required: 35% for special purchases; none for other fully financed purchases
  • Minimum purchase: Varies by store and current financing promotions
  • How to request a loan: Complete the La-Z-Boy Furniture Galleries credit card application en línea or apply in store
  • Start shopping or visit a La-Z-Boy

4.

Crate & Barrel

  • Points of sale? Yeah
  • Financing Options: Special six-month, 12-month and 24-month financing and Crate & Barrel credit card reward dollars
  • Minimum credit requirement: Fair
  • Down payment required: None
  • Minimum purchase: Six-month offers apply to purchases over $749; 12-month offers apply to purchases of $1,499 to $2,999; 24-month offers apply to purchases of $2,999 or more for interest-free plan; no minimum purchase required for Reward Dollars
  • How to request a loan: Complete the Crate & Barrel credit card application en línea or apply in store
  • Start shopping or visit a Crate & Barrel

5.Ethan Allen

  • Points of sale? Yeah
  • Financing Options: Six-month, 12-month, 24-month, and 36-month plans with the Ethan Allen Platinum Card
  • Minimum credit requirement: Fair
  • Down payment required: None
  • Minimum purchase: There is no minimum for the six month, 12 month or 24 month plans; $1,500 minimum for 36-month plan
  • How to request a loan: Complete the en línea application for the Ethan Allen Platinum Card
  • Start shopping or visit an Ethan Allen

6.

R.

C.

Willey

  • Points of sale? Yeah
  • Financing Options: 12 and 18 month plans
  • Minimum credit requirement: Fair
  • Down payment required: None
  • Minimum purchase: $299 for 12-month plans; $1,999 for 18-month plans
  • How to request a loan: Apply for RC Willey Credit En línea
  • Start shopping or visit an RC Willey

7.

Raymour and Flanigan

  • Points of sale? Yeah
  • Financing Options: Six month, 12 month, 18 month, 36 month, 48 month and 60 month plans
  • Minimum credit requirement: There are no equipo requirements; Multiple factors considered for approval
  • Down payment required: None
  • Minimum purchase: No interest: $300 for 12-month plans, $900 for 36-month plans, $1,200 for 48-month plans, and $1,500 for 60-month plans
  • How to request a loan: Complete the Raymour & Flanigan Credit Agreement en línea, or apply in person
  • Start Shopping or Visit a Raymour & Flanigan

8.

RH Furniture

  • Points of sale? Yeah
  • Financing Options: HR Member Program Preferred Funding; Estándar financing; Outlet financing in store
  • Minimum credit requirement: Not disclosed by issuing bank (Comenity Capital Bank)
  • Down payment required: None
  • Minimum purchase: None
  • How to request a loan: Complete the en línea RH credit account application
  • Start buying or visit an RH furniture

9.

Coleman Furniture

  • Points of sale? No
  • Financing Options: Three, six and 12 month plans through Affirm
  • Minimum credit requirement: Poor; Affirm performs a “soft” credit check that does not affect your credit score.

    Multiple factors are considered for approval.

  • Down payment required: In some cases, a down payment will be required if Affirm is unable to finance the full amount.

    Most buyers finance for the full amount.

  • Minimum purchase: None
  • How to request a loan: Shop on the Coleman Furniture website and select the financing option at checkout.
  • start shopping

10.

Atlantic Bedding and Furniture

  • Points of sale? Yeah
  • Financing Options: progressive lease
  • Minimum credit requirement: No credit needed; Progressive considers multiple factors, such as income and banking history
  • Down payment required: $49 down payment upon approval
  • Minimum purchase: None
  • How to request a loan: Complete the en línea application
  • Start shopping or visit an atlantic bedding

11.Big Lots

  • Points of sale? Yeah
  • Financing Options: progressive lease
  • Minimum credit requirement: No credit needed; however, you must be at least 18 years old, have a valid ISIN or Popular Security number, routing information for an open active bank account, and a credit or debit card.
  • Down payment required: First lease payment due at purchase ($49 minimum)
  • Minimum purchase: $150
  • How to request a loan: Apply for Big Lots Easy Leasing by Progressive en línea, or apply in store
  • Start shopping or visit a Big Lots

12.

Conn’s Home Agregado

  • Points of sale? Yeah
  • Financing Options: progressive lease
  • Minimum credit requirement: No credit needed; Progressive considers multiple factors, such as income and banking history
  • Down payment required: Down payment due at time of purchase
  • Minimum purchase: $300
  • How to request a loan: Complete the en línea application on the Yes Leasing page of Progressive Leasing
  • Start shopping or visit a Conn’s Home Agregado

13.

Jordan’s Furniture

  • Points of sale? Yeah
  • Financing Options: Six month, 12 month, 24 month, 36 month, 48 month and 60 month plans
  • Minimum credit requirement: Fair
  • Down payment required: None; 30% for an item to be put on hold
  • Minimum purchase: None
  • How to request a loan: Complete the Jordan’s Furniture En línea Credit Application
  • Start shopping or visit a furniture from Jordan

14.Shop Factory Direct

  • Points of sale? No
  • Financing Options: progressive lease
  • Minimum credit requirement: No credit needed; however, you must be at least 18 years old, have a valid ISIN or Popular Security number, routing information for an open active bank account, and a credit or debit card.
  • Down payment required: An initial lease payment is due at the time of purchase.
  • Minimum purchase: None
  • How to request a loan: Complete the En línea Progressive Leasing Application for Shop Factory Direct
  • start shopping

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