Furniture financing
Sofas, bedroom sets, dining rooms and whole-house packages, with programs that run from established credit down to no credit file at all.
The short version
Furniture is one of the most commonly financed categories because tickets are large and the purchase is rarely planned. Programs run from $50 to $50,000: an installment loan if your credit qualifies, a low payment lease up to $15,000, or a no-credit-needed program from $200 to $7,500. Items from several retailers can often be combined onto one agreement, which matters when you are furnishing more than one room.
Realistic expectations
What each program covers for furniture
Furniture tickets cluster in two places: a single piece under $2,000, and a multi-room package between $3,000 and $12,000.
| Program | Amount | Term | Best for |
|---|---|---|---|
| Installment loan | $1,000–$50,000 | Up to 60 months | A full-house package with credit that qualifies |
| Low payment lease | $50–$15,000 | Up to 60 months | Multi-room packages on fair or rebuilding credit |
| No credit needed | $200–$7,500 | Up to 24 months | A sofa, bed or dining set with no credit file |
| Combined retailers | Within your approved limit | Per program | Furnishing a home from more than one store |
Ranges reflect published program terms. Approval, approval amount and terms are determined by the provider after underwriting and are not guaranteed.
What is covered
Furniture and everything around it
Approvals cover the goods and usually the costs attached to getting them into your home.
Living and bedroom
Sofas, sectionals, recliners, bed frames, mattresses, dressers, nightstands and whole-room packages.
Dining and office
Dining sets, bar stools, desks, office chairs, bookcases and storage.
Delivery and setup
Delivery, assembly and haul-away of old furniture can generally be included in the financed amount. Ask at the point of sale rather than paying separately.
Buying well
Four things that save real money on a furniture deal
Finance the real total
Include tax, delivery and protection plans in the amount you request. Going back for a second approval is slower than asking once.
Watch the mattress separately
Mattresses are often a better deal bought on their own promotion than bundled into a bedroom package. Price both ways.
Use the early buyout
On a lease, settling inside the 90 to 101 day window usually costs close to retail. On a $3,000 living room that gap is often more than $2,000.
Check the delivery date against the clock
On a lease the same-as-cash window runs from signing, not delivery. Special-order furniture taking six weeks eats a chunk of it.
Where to buy
Using an approval across stores
Local furniture retailers
Thousands of independent stores are in the merchant network. Apply through the store link or QR code so the approval lands against that merchant.
National chains
Approvals can be directed to large retailers through the customer care team, which places and tracks the order for you.
Across several stores
A sofa from one retailer and a bedroom set from another can often sit on a single agreement — useful when no single store has everything.
Measure first
The most expensive furniture mistake is not the financing. Measure your doorways and your room before you commit to a sectional, because a return under a lease is possible but a restocking fee is not refundable.
Questions
Common questions
Can I finance furniture with bad credit?
Yes. A low payment lease covers up to $15,000 on fair or rebuilding credit, and a no-credit-needed program runs from $200 to $7,500 using income and banking history rather than a score.
How much furniture can I finance?
Up to $50,000 on an installment loan if your credit qualifies, up to $15,000 on a lease, and up to $7,500 on the no-credit-needed program.
Can I include delivery and assembly?
Usually yes. Delivery, assembly and haul-away can generally be financed with the goods — ask the retailer to include them in the invoice total.
What if I need furniture from two different stores?
Items from several retailers can often be combined onto one agreement. Call before you apply so the approval is set up for it.
Can I return furniture on a lease?
Under a true lease-purchase agreement, generally yes, in good condition. Retailer restocking fees and delivery charges may still apply, so check both.
Keep reading
Related pages
See what you qualify for
One application, the whole lender network. Looking starts with a soft credit check and will not affect your score.