Sonya BatemanThere are several furniture stores that offer easy credit approval — such stores have simple and straightforward application processes, and they provide instant approval decisions, typically within a few minutes of applying. This allows you to make large furniture purchases without paying the full amount upfront, completing a lengthy application process, or waiting several days for approval.
While most of these stores do not have strict credit requirements, many also offer financing options specifically for customers with poor credit or no credit history at all. Some do not even conduct a credit check. Typical financing options include store credit cards, long-term special financing plans (typically with no or reduced interest), or lease-to-own options through Progressive Leasing, a third-party payment company. With Progressive Leasing, you take home the item immediately and make payments over time until you have paid off (and own) the item. You can apply for a store’s Progressive Leasing program directly at checkout.
Some of the stores listed below also partner with the financing company Affirm to offer financing for customers with poor credit — you must apply for Affirm financing separately, but you can typically do this right from the store’s checkout page. Affirm reports to the major credit bureau Experian, so on-time payments can improve your credit.
Below, we list the furniture stores that offer fast and easy credit approval, including information about the financing options and application process, as well as some criteria you can use to choose the furniture store that best fits your needs.
Table of Contents
What We Recommend
The decision of which furniture store to choose will ultimately depend on your priorities and credit history. If you have poor credit but still want access to a wide selection of furniture at low prices, Wayfair will likely be your best option. Its partnership with Affirm allows it to approve most customers for financing, and making payments on time will improve your credit. If you prefer to shop for furniture at a physical store, you may want to consider Ashley HomeStore, which offers long-term financing options or no-credit-needed progressive leasing, depending on your credit history.
If your credit score falls at or above the range of “fair” (typically around 580 or higher), you may want to open a store credit card to get access to interest-free financing plans. La-Z-Boy and Crate & Barrel both 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 Table
Use the following table for a quick comparison of the stores in our list, then click any name or scroll for more details about your financing options.
| Store | Financing Option | Credit Minumum | Down Payment | Minimum Purchase |
|---|---|---|---|---|
| Ashley HomeStore | Progressive Leasing or long-term financing plans | Poor for Progressive Leasing; fair for financing plans | None | Varies |
| Atlantic Bedding & Furniture | Progressive Leasing | Poor | $40 | None |
| Big Lots | Progressive Leasing | No credit check | First month's payment ($49 minimum) | Varies |
| Coleman Furniture | Financing through Affirm | Poor | Varies | None |
| Conn's Home Plus | Progressive Leasing | No credit check | First lease payment | None |
| Crate & Barrel | Store credit card | Fair | None | $1,499 for no-interest plan |
| Ethan Allen | Store credit card | Fair | None | $0 for 6-month plan; $1,500 for longer-term plans |
| Jordan's Furniture | Long-term financing plans | Fair | None | None |
| La-Z-Boy | Store credit card | Fair | None | Varies |
| Raymour & Flanigan | Long-term financing plans | Fair | None | $600 to $7,200; depends on plan |
| RC 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 | Varies |
| Shop Factory Direct | Progressive leasing | No credit check | First lease payment | None |
| Wayfair | Financing through Affirm | Poor | Varies | None |
The List
We’ve compiled the list below with information about furniture stores that offer easy and instant credit approval, starting with the stores with the best reputations and value.
1. Wayfair
- Retail locations? No
- Financing options: Three-month, six-month, and 12-month plans through Affirm[1]
- Minimum credit requirement: Poor; Affirm performs a “soft” credit check that does not affect your credit score. Most buyers are approved.[1]
- Down payment required: In some cases, a down payment will be required if Affirm is unable to finance the full amount. Most buyers are financed for the full amount.[1]
- Minimum purchase: None[1]
- How to apply for credit: Shop the Wayfair website and choose the financing option at checkout.
- Start shopping
2. Ashley HomeStore
- Retail locations? Yes
- Financing options: Progressive Leasing or six-month, 12-month, 18-month, and 60-month plans[2]
- Minimum credit requirement: Poor for progressive leasing; fair for other special financing plans[2]
- Down payment required: None[2]
- Minimum purchase: Varies by location and item(s) purchased — you can contact the store for confirmation[2]
- How to apply for credit: Fill out the online application for Ashley HomeStore credit before shopping or at checkout
- Start shopping, or visit an Ashley HomeStore
3. La-Z-Boy
- Retail locations? Yes
- Financing options: 12-month special financing with the La-Z-Boy Furniture Galleries credit card[3]
- Minimum credit requirement: Fair[3]
- Down payment required: None[3]
- Minimum purchase: Varies by store and current financing promotions[3]
- How to apply for credit: Fill out the online La-Z-Boy Furniture Galleries credit card application, or apply in-store
- Start shopping, or visit a La-Z-Boy
4. Crate & Barrel
- Retail locations? Yes
- Financing options: 12-month special financing and Reward Dollars with the Crate & Barrel Credit Card[4]
- Minimum credit requirement: Fair[4]
- Down payment required: None[4]
- Minimum purchase: $1,499 for the no-interest plan; no minimum purchase required for Reward Dollars[4]
- How to apply for credit: Fill out the online Crate & Barrel Credit Card Application
- Start shopping, or visit a Crate & Barrel
5. Ethan Allen
- Retail locations? Yes
- Financing options: Six-month, 12-month, 24-month, 36-month, and 60-month plans with the Ethan Allen Platinum Card[5]
- Minimum credit requirement: Fair[5]
- Down payment required: None[5]
- Minimum purchase: No minimum for the six-month, 60-month plans; $1,500 minimum for the 12-month, 24-month, 36-month plans[5]
- How to apply for credit: Fill out the online Ethan Allen Platinum Card application
- Start shopping, or visit an Ethan Allen
6. RC Willey
- Retail locations? Yes
- Financing options: Six-month, 12-month, and 18-month plans[6]
- Minimum credit requirement: Fair[6]
- Down payment required: None[6]
- Minimum purchase: $299 for six-month plans; $999 for 12-month plans; $1,999 for 18-month plans[6]
- How to apply for credit: Apply for RC Willey Credit online
- Start shopping, or visit an RC Willey
7. Raymour & Flanigan
- Retail locations? Yes
- Financing options: Six-month, 12-month, 24-month, 36-month, 48-month, 60-month, and 72-month plans[7]
- Minimum credit requirement: Fair[7]
- Down payment required: None[7]
- Minimum purchase: $600 for six-month plans; $1,200 for 12-month plans; $2,400 for 24-month plans; $3,600 for 36-month plans; $4,800 for 48-month plans; $6,000 for 60-month plans; $7,200 for 72-month plans[7]
- How to apply for credit: Fill out the online Raymour & Flanigan Credit Agreement
- Start shopping, or visit a Raymour & Flanigan
8. RH Furniture
- Retail locations? Yes
- Financing options: RH Members Program Preferred Financing; Standard Financing; Standard Revolving Line of Credit[8]
- Minimum credit requirement: Not disclosed by the issuing bank (Comenity Capital Bank)[8]
- Down payment required: None[8]
- Minimum purchase: Varies for RH Members and Standard Financing programs; none required for Standard Revolving Line of Credit program[8]
- How to apply for credit: Fill out the online RH Credit Account Application
- Start shopping, or visit an RH Furniture
9. Coleman Furniture
- Retail locations? No
- Financing options: Three-month, six-month, and 12-month plans through Affirm[9]
- Minimum credit requirement: Poor; Affirm performs a “soft” credit check that does not affect your credit score. Most buyers are approved.[9]
- Down payment required: In some cases, a down payment will be required if Affirm is unable to finance the full amount. Most buyers are financed for the full amount.[9]
- Minimum purchase: None[9]
- How to apply for credit: Shop the Coleman Furniture website and choose the financing option at checkout.
- Start shopping
10. Atlantic Bedding & Furniture
- Retail locations? Yes
- Financing options: Progressive Leasing[10]
- Minimum credit requirement: Poor; may conduct a soft credit pull. You must have a photo ID, Social Security number, and an active checking account.[10]
- Down payment required: $40 initial payment plus tax[10]
- Minimum purchase: None[10]
- How to apply for credit: Fill out the online application for Atlantic Bedding and Furniture, or apply in-store
- Start shopping, or visit an Atlantic Bedding
11. Big Lots
- Retail locations? Yes
- Financing options: Progressive Leasing[11]
- Minimum credit requirement: No credit check; however, you must have been employed at the same job for at least six months and earn a minimum of $1,000 per month with an active checking account.[11]
- Down payment required: First lease payment due at time of purchase (minimum of $49)[11]
- Minimum purchase: Varies by store; typically only available for larger items[11]
- How to apply for credit: Apply for Big Lots Easy Leasing by Progressive online, or apply in-store
- Start shopping, or visit a Big Lots
12. Conn’s Home Plus
- Retail locations? Yes
- Financing options: Progressive Leasing[12]
- Minimum credit requirement: No credit check; however, you must have been employed at the same job for at least six months and earn a minimum of $1,000 per month with an active checking account.[12]
- Down payment required: First lease payment due at time of purchase[12]
- Minimum purchase: None[12]
- How to apply for credit: Fill out the online application at the Yes Lease from Progressive Leasing page, or apply in-store
- Start shopping, or visit a Conn’s Home Plus
13. Jordan’s Furniture
- Retail locations? Yes
- Financing options: Six-month, 12-month, 24-month, 36-month, 48-month, 60-month, and 72-month plans[13]
- Minimum credit requirement: Fair[13]
- Down payment required: None[13]
- Minimum purchase: None[13]
- How to apply for credit: Fill out the online Jordan’s Furniture credit application
- Start shopping, or visit a Jordan’s Furniture
14. Shop Factory Direct
- Retail locations? No
- Financing options: Progressive Leasing[14]
- Minimum credit requirement: No credit check; however, you must have been employed at the same job for at least six months and earn a minimum of $1,000 per month with an active checking account.[14]
- Down payment required: First lease payment due at time of purchase[14]
- Minimum purchase: None[14]
- How to apply for credit: Fill out the online progressive leasing application for Shop Factory Direct
- Start shopping
For more about financing with furniture stores, we list the best furniture store credit cards and furniture stores with layaway plans.
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