Where to Buy Furniture: 20 Affordable Options (Online & Local to Most)

Furniture can be a significant investment, and decisions can be based largely on personal preference. Also, while you may be able to find the cheapest furniture options online, you might prefer to visit a store and test the items in person. When considering costs, there are several factors to consider like shipping and installation charges, especially if you purchase online.

Most furniture stores — even those that sell affordable furniture — also offer some sort of financing options to help you afford larger purchases without paying the full amount upfront. Most stores offer a store credit card with an interest-free promotional period. Others partner with companies like Progressive Leasing or Affirm to offer buy now, pay later and lease-to-own options for people with poor or no credit. You may need to apply for these programs separately, but you can usually do this directly from a store’s checkout page.

What We Recommend

For the widest selection of furniture brands and prices, consider shopping from Amazon. It also has a generous return policy, and Prime members can get free, expedited shipping. Cymax and Overstock offer similar furniture buying options.

If you prefer the option of shopping at a physical store, Value City Furniture is also a good choice. It offers competitive pricing for high-quality furniture, as well as a no-credit-needed financing option. You can also find good, low-priced options in stores and online through Sears and Sears Outlet.

Where to Buy Affordable Furniture

Below, we list the most affordable furniture retailers, including both in-store and online options. We’ve ordered the list starting with the best overall options in terms of price, store reputation, and furniture quality.

See the table below for a quick comparison, then clock any store or scroll for more details.

Amazon

• In-store or online? Online only
• Payment methods: Major debit and credit cards, PayPal, Diners Club, etc.
• Financing options: Buy now, pay over time (interest-free) options with the Amazon store card
• Return policy: Typically 90 days from the delivery date
• More information: Amazon Prime members can get free shipping on eligible items. You can get a free 30-day Prime trial.
• Start shopping

Value City Furniture

• In-store or online? Both
• Payment methods: Most major credit cards
• Financing options: Promotional, interest-free financing with the Synchrony-backed store credit card; no-credit-needed option with AcceptanceNOW
• Return policy: You can return an item within seven days of receiving it for a full refund (restocking fees may apply)
• More information: Value City’s pricing guarantee states that if you purchase an item that goes on sale within 21 days of your purchase, it will refund the difference to you.
• Start shopping or find a store

Cymax

• In-store or online? Online only
• Payment methods: Credit cards, gift cards, PayPal, Visa checkout, Amazon payments, and wire transfers
• Financing options: Buy now, pay later program with Affirm
• Return policy: Typically 30 days from the delivery date; must be unused and in original packaging
• More information: Cymax is based in Canada and partners with different delivery companies throughout North America
• Start shopping

Overstock

• In-store or online? Online only
• Payment methods: Most major credit and debit cards, gift cards, PayPal, etc.
• Financing options: Interest-free special financing with the Overstock Store Credit Card; Progressive Leasing; buy now, pay later option with Klarna
• Return policy: You can return unused items within 30 days of purchase.
• More information: Overstock offers free shipping over $50
• Start shopping

Sears and Sears Outlet

• In-store or online? Both
• Payment methods: Most major credit cards and Sears gift cards
• Financing options: Lease-to-own programs, layaway, and a store credit card
• Return policy: You have 45 days to return most items; 30 days for installed items
• More information: You can earn redeemable points on purchases when you’re a member of the Sears rewards program.
• Start shopping at Sears or Sears Outlet, or find a store

American Signature Furniture

• In-store or online? Both
• Payment methods: Most major credit cards
• Financing options: Promotional financing with the Synchrony-backed store card or AcceptanceNOW
• Return policy: You can return most items within seven days after you receive it.
• More information: The American Signature Financing website offers “knockouts,” or extremely discounted items.
• Start shopping or find a store

Great Deal Furniture (GDF)

• In-store or online? Online only, except for one physical outlet store
• Payment methods: Major debit cards, credit cards, and PayPal
• Financing options: None disclosed
• Return policy: You must returns items within one year of purchase
• More information: GDF has one outlet store in California, and offers free shipping on all orders
• Start shopping

Best Priced Furniture

• In-store or online? Online only
• Payment methods: Most major credit cards
• Financing options: None specified
• Return policy: Not specified on the company website
• More information: Best Priced Furniture offers free shipping on all orders
• Start shopping

Ashley Furniture HomeStore

• In-store or online? Both
• Payment methods: Most major credit cards
• Financing options: Special interest-free plans with the Ashley Advantage Synchrony account; Progressive Leasing
• Return policy: You can return unused items within 30 days of purchase.
• More information: Ashley HomeStore offers one- to five-year limited warranties on most items.
• Start shopping or find a store

HomeGoods

• In-store or online? In-store only
• Payment methods: Most major credit cards
• Financing options: Special financing with the TJX Rewards credit card
• Return policy: You can return unused items within 30 days of purchase.
• More information: The same company owns T.J.Maxx, Marshalls, Winners, T.K.Maxx, A.J.Wright, and HomeSense — you can find some furniture deals at these stores as well.
• Find a store

La-Z-Boy Furniture Galleries

• In-store or online? Both
• Payment methods: Most major credit cards
• Financing options: Interest-free promotions with the La-Z-Boy Furniture Galleries Credit Card
• Return policy: Most items can be retired between 30 and 100 days after purchase.
• More information: La-Z-Boy has a slightly more limited selection of styles and products than other major furniture stores; it offers chairs, ottomans, tables, etc.
• Start shopping or find a store

West Elm

• In-store or online? Both
• Payment methods: Most major credit cards
• Financing options: Special financing programs with the West Elm credit card; buy now, pay later program with Affirm
• Return policy: You can return unused items within 30 days of purchase; for Quick Ship upholstered items, you must return them within seven days
• More information: West Elm is not the most affordable option on the list, but it does offer a free design service.
• Start shopping or find a store

Huffman Koos Furniture

• In-store or online? Mostly online, with some locations in New Jersey, New York, and North Carolina
• Payment methods: Most major credit cards; it also accepts cash and checks at showrooms
• Financing options: Interest-free special financing with the store credit card
• Return policy: Not specified on the company website
• More information: Huffman Koos offers an optional five-year accident protection plan to supplement the manufacturer’s warranties
• Start shopping or find a store

Big Lots

• In-store or online? Both
• Payment methods: Most major credit cards for online purchases; it also accepts cash, checks, and Apply Pay in stores
• Financing options: Special, interest-free programs with the store credit card or “easy leasing”
• Return policy: You can return most unused items within 30 days with a receipt.
• More information: You can join the Big Rewards program for access to cash rewards, VIP shopping days, and more.
• Start shopping or find a store

We also have information about other stores very similar to Big Lots.

Sauder Furniture

• In-store or online? Online only, but partners with physical retailers
• Payment methods: Most major credit cards
• Financing options: In-house, pay-over-time plans
• Return policy: Not specified on the company website
• More information: Sauder furniture is also sold at Walmart and Wayfair, and it comes with a five-year limited warranty
• Start shopping or find a retailer

World Market

• In-store or online? Both
• Payment methods: Most major credit cards and PayPal
• Financing options: Buy now, pay later program with Afterpay; interest-free options with the World Market Credit Card
• Return policy: You can return items within 120 days of purchase
• More information: You can get savings, shipping rewards, and special offers through the World Market Rewards program
• Start shopping or find a store

IKEA

• In-store or online? Both
• Payment methods: Most major credit and debit cards, IKEA gift cards, Apple Pay, and Android Pay
• Financing options: Interest-free promotions with the IKEA Projekt credit card
• Return policy: You can return most items within one year of purchase.
• More information: Most items come with a five- to 25-year limited warranty
• Start shopping or find a store

Costco

• In-store or online? Both
• Payment methods: Most major credit cards online; credit, debit, cash, and checks in stores
• Financing options: Special plans with the Costco Anywhere Visa Card
• Return policy: You must return most items within 90 days.
• More information: You must be a member to shop at in-store at Costco; our article provides a cost breakdown. Online, you can shop without a membership for a 5% surcharge.
• Start shopping

Sam’s Club

• In-store or online? Both
• Payment methods: Most major credit cards are accepted online; in-stores, you can pay with cash, checks, and debit cards.
• Financing options: Special promotional financing with the Sam’s Club Mastercard
• Return policy: You can return most items within 90 days of purchase.
• More information: You need a membership to shop in stores. You don’t need a membership to shop online, but you may pay more for certain items (i.e., a 10% service fee).
• Start shopping or find a store

Shop for Used Furniture

If you don’t mind putting in a little extra effort and you can handle a limited, revolving selection, consider buying used furniture. People can post their used furniture on sites like Craigslist, Wallipop, and Facebook Marketplace, and you can occasionally find great deals on high-quality furniture.

A good general rule when buying furniture off Craigslist or a similar site is to only buy things with hard surfaces, as these can easily be cleaned. These are things like tables, desks, lamps, end tables, shelves, cupboards, dressers, bed frames, stools, bookcases, hutches, chests, umbrella stands, filing cabinets, safes, wine racks, wardrobes, patio sets, etc. For soft surfaces like cloth couches, cloth chairs, mattresses, etc., it is usually a good idea to buy new.

Be sure to always do the deals in a public place, unless the seller is offering free delivery. Additionally, look into the seller and, if you’re able, check out the item(s) in person before buying. If you have any doubts about the seller or the item, you may want to hold off and wait for another, similar option to become available.

Tips for Getting Your Money’s Worth

Finding the best place to buy furniture is a good first step, but there are also other things you can do to make sure you get the best price on the furniture you want:

Determine Your Needs

Find furniture that matches your lifestyle. For example, if you have kids, you’ll probably want a spill-resistant surface such as real or faux leather (sometimes known as “pleather”). If you have pets, you may want to match the color of your furniture to the color of their hair to make shedding less noticeable.

If you’ll be moving soon, consider buying cheaper furniture. Then you can then resell or donate it when you move (if you can’t or don’t want to take it with you) without wasting too much of an investment.

Shop at the Right Time

Furniture stores hold frequent sales, sometimes multiple times per year. You can monitor store sites and social media pages or sign up to receive promotional emails, and you can be alerted when sales begin. In general, the most popular times for furniture sales are Presidents Day, Memorial Day, Fourth of July, Labor Day, Holiday Sales, and End of Year sales.

Ask About Damaged/Floor Models

Damaged models are ones that have dings and/or scratches. Or, they may have just been opened and returned. The damage is minimal and may be hardly noticeable, but stores can no longer sell it for full price.

Floor models are the ones the customers test. Brick-and-mortar furniture stores offer big discounts on these models because they are slightly used and they come without original packaging. You can ask about buying the floor model at any store you visit.

Negotiate

You can start by asking for a discount. As Consumer Reports outlines, 89% of people who negotiate report receiving discounts. This is easiest if you’re shopping in-store, but you can also try it with online purchases. Call customer service and see what they can do. It’s surprising how open businesses are to negotiating. If you usually receive discounts for being a student, military member, teacher, healthcare worker, etc., you can start by asking if the store offers any of these.

In Summary

When you need to buy new furniture, there are plenty of retailers — both online and brick-and-mortar — that sell low-priced furniture to fit your lifestyle. If you prefer to shop online, consider buying furniture through Amazon, Cymax, or Overstock. Each of these options offers a vast selection of affordable furniture with various financing options. If you prefer having the ability to see and test the furniture before you buy it, consider shopping at a store like Value City Furniture or Sears. Both offer quality furniture at notably low prices and financing options that don’t require credit. Always be sure to choose furniture that is best suited to your needs, and don’t be afraid to buy used or try to negotiate pricing to get the best possible deals.

For more about buying furniture, see our articles about which furniture stores finance and which furniture stores have layaway.