In general, financing furniture purchases is a bad idea . Furniture stores offer financing as a ploy to get you to spend more than you can really afford. Consider an alternative such as a cash payment , rewards card, or 0% interest credit card. All of these options help you save money or avoid long-term debt.
90-Day Payment option, discounted early buyout 90 days: We offer multiple buyout options to save you money. Easy payments are set up to come out automatically on your paydays: See our Pre-Approval Matrix to get a free peek at your payment may look like.
Buy a $100 table, not a $1,000 table. Then, save until you can buy something nicer. Once you get it, sell the old furniture . Furniture Stores That Finance Ashley Furniture HomeStore. Macy’s. City Furniture . Value City Furniture . Big Lots. Hank’s Fine Furniture . Badcock Home Furniture & More.
Fingerhut Credit Account
630 credit score
Big Lots offers a good selection of furniture at reasonable prices. I know, one doesn’t think of Big Lots and furniture . I plan on buying my next futon mattress which is used as a couch from Big Lots . If you’re looking sectionals, comfy recliners, individual pieces, coffee.
Big ! Delivery is a $149 unlimited flat rate delivery service on select heavy or large items that do not ship through the FedEx network. Items include mattresses and select indoor and outdoor furniture .
Big Lots offers an Easy Leasing program as an alternate way to purchase Furniture , select Seasonal, and select Home items. We have a lease-to-own option that is offered in Big Lots stores (some state and location limitations apply). There is a $150 minimum purchase requirement to participate in the leasing program.
Comenity Capital Bank
If you’re looking for a furniture layaway , Big Lots has a “Price Hold” option, where you can put a 10% deposit down, and Big Lots will hold the item for 90 days. You can make payments in installments or all at once. Note: Furniture layaways are only available in Big Lots stores that sell eligible merchandise.
Material Quality Ashley Furniture is known for their moderately priced furniture and their wide variety of products. In terms of material quality , there can be some good bargains to be found, but make sure to take a look at what goes into the furniture .
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.
630 credit score