10 Popular Furniture Stores With Financing

When it comes to buying furniture, it can be challenging to find exactly what you’re looking for within a specific price range, especially if you are furnishing an entire home. Thankfully, there are multiple furniture stores — both online and brick-and-mortar — that provide financing options. With furniture financing, you don’t need to have the entire payment upfront. You can spread your payments out over several months using in-house financing plans or a store credit card.

Some stores also parter with Progressive Leasing or AcceptanceNow to offer lease-to-own programs. With these programs, the leasing company technically owns the item until you pay off the lease amount. One benefit of these programs is that they do not require a credit check, which is helpful for those with bad credit.

Other stores partner with the third-party company Affirm to offer financing approval for customers with bad credit. You must apply for Affirm separately, but you can typically do this right from a store’s checkout page, and approval is often instant. Since Affirm reports to credit bureaus, making on-time payments is a way to rebuild your credit.

Note, however, that furniture financing also comes with some disadvantages. While financing spreads payments out over several months, it also usually comes with high interest rates. This may cause you to ultimately pay more than the furniture would have cost if you purchased it outright. Although leasing programs do not charge interest, they do charge service fees that also amount to more than the original price.

Additionally, there are often hefty late fees for overdue or missed payments. Late fees or repossession of the furniture can negatively impact your credit score. Before financing furniture, be sure to have a clear understanding of the associated fees and interest so you can be sure that you can afford the total cost of your purchase.

What We Recommend

If you’re looking for a wide selection of discounted furniture and you don’t mind shopping online, consider financing through Wayfair. 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 prefer to shop at physical stores, consider Ashley HomeStore. 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. Both Wayfair and Ashley HomeStore offer interest rates and fee structures that are comparable to their competitors.

Furniture Stores That Finance

Below, we list the major furniture stores in the U.S. that offer financing and/or leasing programs, including information about credit checks, typical interest rates, fees, and purchase requirements. We’ve ordered the list starting with the best overall store options.

You can use the table below for a brief comparison of available financing options, then click any store or scroll for more details about interest rates, fees, and accepted payment methods.

Wayfair

• In-store or online? Online only
• Financing options:
  • The Wayfair credit card is available through Comenity Bank. Special 12-month financing is available on purchases over $500 for qualifying customers, with no interest if the balance is paid off within the 12 months.
  • Financing through Affirm — at checkout, you can apply for Affirm financing; available plans are three, six, or 12 months
• Credit check? Yes
• Minimum purchase amount: Minimum purchase of $500 to qualify for the 0% interest for 12 months option on the credit card; $50 for Affirm financing
• APR: Around 27% to 28% for the credit card; 10% to 30% on the Affirm loan option
• Fees/penalties: A late fee will be charged on all accounts with overdue payments. The site does not explicitly state the amount of the late fee. The Affirm loan does not charge any late fees or penalties, only the corresponding finance charge.
• Accepted payment methods: Credit cards, PayPal, and Masterpass
• Delivery or pickup options: Because Wayfair is an online site only, all purchases must be delivered to the location you specify. Free shipping for orders over a certain dollar amount.
• Find out more or apply

Ashley HomeStore

• In-store or online? Both
• Financing options: Progressive Leasing or 6-month, 12-month, 18-month, and 60-month financing plans
• Credit check? Required for in-house financing; no credit check for Progressive Leasing
• Minimum purchase amount: None for Progressive Leasing or 6-month, 12-month, or 18-month financing; $999 minimum purchase for 60-month plan
• APR: Around 30% for all financing options
• Fees/penalties: Minimum monthly payments are required. The Ashley HomeStore website doesn’t list any penalties or fees but Synchrony Bank (which backs Ashley HomeStore financing) states on its website that a late penalty will be charged for payments that are not made by the due date. It does not list the amount of the fee.
• Accepted payment methods: Cash, check, and credit cards
• Delivery or pickup options: Ashley HomeStore will deliver your items directly to your home for an additional fee. If you live near an Ashley HomeStore warehouse, you can arrange pick-up. Shipping to the store is available as well with you providing your own pick-up arrangements.
• Find out more or apply, or visit an Ashley HomeStore location

Note: Ashley HomeStore also partners with American First Finance for an additional 24-month lease-to-own option (as previously reported).

La-Z-Boy

• In-store or online? Both
• Financing options: La-Z-Boy Furniture Galleries credit card with 12-month special financing
• Credit check? Yes
• Minimum purchase amount: Varies by store and current financing promotions
• APR: Around 30%
• Fees/penalties: Minimum monthly payments are required; a fee of $37 will be charged for late payments.
• Accepted payment methods: Cash, check, and major credit cards
• Delivery or pickup options: Free local delivery on purchases over $999
• Find out more or visit a La-Z-Boy location

Bob’s Discount Furniture

• In-store or online? Both, depending on the program
• Financing options:
  • My Bob’s Card provided by Wells Fargo — six months of no interest (if paid in full) for purchases of $399 or more and 12 months for purchases of $1,200 or more; this plan can be used in-store or online
  • My No Credit Needed Payment Option backed by AcceptanceNow — lease-to-own option with monthly payment plans; this plan is for in-store purchases only
• Credit check? Required for credit card approval, but not for the My No Credit Needed payment option
• Minimum purchase amount: $399 for the 6-month credit card special financing; none for the My No Credit Needed Payment Option
• APR: Around 28% to 30% for the My Bob’s Credit Card; no APR listed for the My No Credit Needed.
• Fees/penalties: Minimum monthly payments are required for both programs. A fee of $37 will be charged for late payments or returned checks for My Bob’s Credit card purchases. No fees are listed for the My No Credit Needed program.
• Accepted payment methods: Cash, check, gift cards, and credit cards
• Delivery or pickup options: Bob’s will deliver your items directly to your home for an additional fee. If you live near Bob’s Discount Furniture warehouse, you can arrange pickup.
• Find out more or apply, or visit a Bob’s Discount Furniture location

Value City Furniture

• In-store or online? Both
• Financing options:
  • Value Plus credit card through Synchrony Bank — Value City offers different financing promotions throughout the year to current cardholders and those who apply for a new card.
  • Value City Furniture also offers the AcceptanceNow lease-to-own program for in-store purchases only of at least $299.
• Credit check? Required for the Value Plus card, but no credit check is required for the leasing option
• Minimum purchase amount: $999 for the 12-month option, $299 for the AcceptanceNow option
• APR: Around 30% for the Value Plus card; no APR noted for the AcceptanceNow program
• Fees/penalties: Minimum monthly payments are required for both programs. A fee of up to $37 will be charged for late payments for Value Plus card purchases. No fees are listed for the AcceptanceNow program.
• Accepted payment methods: Cash, check, and credit cards
• Delivery or pickup options: Value City will deliver or ship your items directly to your home for an additional fee. Pick-up of purchases is also available in-store or from a Value City distribution center.
• Find out more or apply, or visit a Value City location

Our article has more information about Value City’s military discount policy.

Raymour and Flanigan

• In-store or online? Both
• Financing options: In-house financing plans for six, 12, 24, 36, 48, 60, or 72 months with no interest
• Credit check? Yes
• Minimum purchase amount: Minimum purchases range from $600 to $7,200, depending on the number of equal payments selected.
• APR: Around 29% for all options listed above (though no interest charged if the balance is paid within the selected time frame)
• Fees/penalties: A late fee of $27 will be charged on all accounts with overdue payments.
• Accepted payment methods: Cash, check or major credit cards are accepted in-store; credit cards are accepted for online purchases
• Delivery or pickup options: Delivery is available and is an additional 10% of your purchase with a minimum charge of $299 and a maximum charge of $699. In-store pickup is also available and FedEx and UPS shipping is also available for smaller goods ordered online.
• Find out more or apply, or visit a Raymour and Flanigan location

The Furniture Mart

• In-store or online? Both
• Financing options:
  • The Furniture Mart credit card is available through Wells Fargo Financial National Bank. There are financing options available for six months to 60 months.
  • The No Credit Needed Program is available through Progressive Leasing. No credit is needed for this lease-to-own option, and there is an online application available.
• Credit check? Required for the store credit card; no credit check for Progressive Leasing
• Minimum purchase amount: No minimum purchase amounts noted for either option
• APR: About 29% for the store credit card; no APR noted for the Progressive Leasing program
• Fees/penalties: Minimum monthly payments are required for both programs. A fee of up to $37 will be charged for late or returned payments for Furniture Mart credit card purchases. No fees are listed for the Progressive Lease-to-Own program.
• Accepted payment methods: Cash, check, credit cards and PayPal
• Delivery or pickup options: Furniture Row offers delivery options. Fees are charged based on items purchased and distance from the distribution center. No pickup options are mentioned on the website.
• Find out more or apply, or visit a Furniture Mart location

Havertys Furniture

• In-store or online? Both
• Financing options: The Havertys Furniture credit card is available for qualified customers issued through Synchrony Financial.
• Credit check? Yes
• Minimum purchase amount: None
• APR: Around 30%
• Fees/penalties: A late fee of up to $37 will be charged on all accounts with overdue payments.
• Accepted payment methods: Cash, check, traveler’s checks, and major credit cards are accepted in-store; credit cards are accepted for online purchases.
• Delivery or pickup options: Delivery is available; fees are determined depending upon your zip code. Havertys requires 48-hour notice in order to make changes to a scheduled delivery appointment.
• Find out more or apply, or visit a Havertys location

Rooms to Go

• In-store or online? Both
• Financing options: Rooms to Go offers promotional financing options; their current offer is 60 months of interest-free financing (offered through Synchrony Financial).
• Credit check? Yes
• Minimum purchase amount: None
• APR: Around 30%
• Fees/penalties: A late fee of up to $37 will be charged on all accounts with overdue payments.
• Accepted payment methods: Cash, checks, gift cards, and major credit cards are accepted in-store; credit cards are accepted for online purchases.
• Delivery or pickup options: Delivery is available and the cost will be dependent upon how far your home is from a Rooms to Go warehouse. Delivery fees range from $19.99 to $169.99, depending on the item. Home accessories purchased online can be delivered through UPS standard ground shipping.
• Find out more or apply, or visit a Rooms to Go location

Badcock

• In-store or online? Both (Note: to apply for financing online, you first have to enter your zip code to find the nearest store).
• Financing options: Six-month or 12-month in-house financing is available, with no interest if paid in full within the financing period. Because Badcock offers in-house financing to its customers, it can only extend credit to customers in states where it has physical store locations.
• Credit check? Yes
• Minimum purchase amount: None
• APR: Varies by state; typically ranges from about 18% to 24%
• Penalties or fees: No penalties or late fees noted on Badcock’s financing page, but a condition of financing is that minimum monthly payments must be made timely.
• Accepted payment methods: Cash, check, and major credit cards
• Delivery or pickup options: Delivery is available for an additional fee.
• Find out more or apply, or visit a Badcock’s location

Furniture Row

• In-store or online? In-store only
• Financing options:
  • Furniture Row credit card backed by Capital One — the basic financing option is six or 12 months with no interest if balance paid in full before the end of the financing period. Furniture Row also offers different financing promotions throughout the year to current cardholders and those who apply for a new card. The card can only be used for in-store purchases.
  • Furniture Row also offers the Progressive Leasing program on in-store purchases only. This is a lease option with monthly payment plans available.
• Credit check? Yes for the Furniture Row credit card; no credit check required for the leasing option
• Minimum purchase amount: $449 to receive no-interest financing; no minimum noted for the Progressive Leasing option
• APR: About 25% to 29% for the Furniture Row credit card; no APR noted for the Progressive Lease-to-Own program.
• Fees/penalties: Minimum monthly payments are required for both programs. A fee of up to $35 will be charged for late or returned payments for Furniture Row credit card purchases. No fees are listed for the Progressive Lease-to-Own program.
• Accepted payment methods: Cash, check, credit cards, and PayPal (for online purchases)
• Delivery or pickup options: Furniture Row offers delivery options. Fees are charged based on items purchased and distance from the distribution center. No pickup options are mentioned on the website. Inquire with your local Furniture Row location.
• Find out more or apply, or visit a Furniture Row location

In Summary

There are several different options when it comes to financing your furniture purchase. Offers available to you will depend on the store, how much you plan to spend, and whether or not you are approved for financing. Typically furniture stores will offer 0% financing for a certain length of time for those who qualify, which can help you save money on interest payments. For an online option with a wide variety of items and discounted prices, consider Wayfair — it offers financing through a store credit card or Affirm. Alternatively, Ashley HomeStore offers in-house financing options for up to 60 months as well as a Progressive Leasing program that requires no credit check. Regardless of where you choose to shop and finance, you’ll want to be sure to pay off the balance within the financing period to avoid paying the interest rates of around 30%.

For more information on furniture store payment options, see our list of the best rent-to-own furniture stores (some with no credit check).