14 Furniture Stores With Easy Credit Approval (Bad Credit Even)

There 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 don’t 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 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.

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 select any name or scroll for more details about your financing options.

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: No set requirement; multiple factors considered for approval [2]
• Down payment required: In some cases, a down payment will be required if Affirm is unable to finance the full amount. [3]
• Minimum purchase: None [3]
• How to apply for credit: Shop the Wayfair website and choose the financing option at checkout. [4]
• Start shopping

2. Ashley HomeStore

• Retail locations? Yes
• Financing options: Progressive Leasing or six-month, 12-month, and 60-month plans [5]
• Minimum credit requirement: Multiple factors are considered for Progressive Leasing; varies for other special financing plans [6][7]
• Down payment required: None [5][8]
• Minimum purchase: Varies by type of financing [5]
• How to apply for credit: Fill out the online application for Ashley HomeStore credit before shopping or at checkout [5]
• 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 [9]
• Minimum credit requirement: Fair [9]
• Down payment required: 35% for special-order purchase; none for other fully financed purchases [10]
• Minimum purchase: Varies by store and current financing promotions [9]
• How to apply for credit: Fill out the online La-Z-Boy Furniture Galleries credit card application, or apply in-store [9]
• Start shopping, or visit a La-Z-Boy

4. Crate & Barrel

• Retail locations? Yes
• Financing options: Six-month, 12-month, and 24-month special financing and Reward Dollars with the Crate & Barrel Credit Card [11]
• Minimum credit requirement: Fair [11]
• Down payment required: None [12]
• Minimum purchase: Six-month offers apply to purchases over $749; 12-month offers apply to purchases from $1,499 to $2,999; 24-month offers apply to purchases of $2,999 or more for the no-interest plan; no minimum purchase required for Reward Dollars [11]
• How to apply for credit: Fill out the online Crate & Barrel Credit Card Application or apply in-store [11]
• Start shopping, or visit a Crate & Barrel

5. Ethan Allen

• Retail locations? Yes
• Financing options: Six-month, 12-month, 24-month, and 36-month plans with the Ethan Allen Platinum Card [13]
• Minimum credit requirement: Fair [13]
• Down payment required: None [13]
• Minimum purchase: No minimum for the six-month, 12-month, or 24-month plans; $1,500 minimum for the 36-month plan [13]
• How to apply for credit: Fill out the online Ethan Allen Platinum Card application [13]
• Start shopping, or visit an Ethan Allen

6. RC Willey

• Retail locations? Yes
• Financing options: 12-month and 18-month plans [14]
• Minimum credit requirement: Fair [14]
• Down payment required: None [14]
• Minimum purchase: $299 for 12-month plans; $1,999 for 18-month plans [14]
• How to apply for credit: Apply for RC Willey Credit online [14]
• Start shopping, or visit an RC Willey

7. Raymour & Flanigan

• Retail locations? Yes
• Financing options: Six-month, 12-month, 18-month, 36-month, 48-month, and 60-month plans [15][16]
• Minimum credit requirement: No set requirement; multiple factors considered for approval [17][18]
• Down payment required: None [15]
• Minimum purchase: For no interest $300 for 12-month plans, $900 for 36-month plans, $1,200 for 48-month plans, and $1,500 for 60-month plans [16]
• How to apply for credit: Fill out the online Raymour & Flanigan Credit Agreement, or apply in person [19]
• Start shopping, or visit a Raymour & Flanigan

8. RH Furniture

• Retail locations? Yes
• Financing options: RH Members Program Preferred Financing; Standard Financing; Outlet In-Store Financing [20]
• Minimum credit requirement: Not disclosed by the issuing bank (Comenity Capital Bank) [20]
• Down payment required: None [20][21]
• Minimum purchase: None [20][21]
• How to apply for credit: Fill out the online RH Credit Account Application [22]
• 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 [23]
• Minimum credit requirement: Poor; Affirm performs a “soft” credit check that does not affect your credit score. Multiple factors are considered for approval. [23]
• 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. [3]
• Minimum purchase: None [23]
• How to apply for credit: Shop the Coleman Furniture website and choose the financing option at checkout. [23]
• Start shopping

10. Atlantic Bedding & Furniture

• Retail locations? Yes
• Financing options: Progressive Leasing [24]
• Minimum credit requirement: No credit needed; Progressive considers multiple factors, such as income and banking history [25]
• Down payment required: $49 initial payment once approved [24]
• Minimum purchase: None [24]
• How to apply for credit: Fill out the online application [25]
• Start shopping, or visit an Atlantic Bedding

11. Big Lots

• Retail locations? Yes
• Financing options: Progressive Leasing [26]
• Minimum credit requirement: No credit needed; however, you must be at least 18, have a valid Social Security number or ISIN, routing information for an open active banking account, and a credit or debit card. [26]
• Down payment required: First lease payment due at time of purchase (minimum of $49) [26]
• Minimum purchase: $150 [27]
• How to apply for credit: Apply for Big Lots Easy Leasing by Progressive online, or apply in-store [26]
• Start shopping, or visit a Big Lots

12. Conn’s Home Plus

• Retail locations? Yes
• Financing options: Progressive Leasing [28]
• Minimum credit requirement: No credit needed; Progressive considers multiple factors, such as income and banking history [25]
• Down payment required: Initial payment due at time of purchase [29][30]
• Minimum purchase: $300 [30]
• How to apply for credit: Fill out the online application at the Yes Lease from Progressive Leasing page [28]
• 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, and 60-month plans [31]
• Minimum credit requirement: Fair [31][32]
• Down payment required: None; 30% to have an item put on hold [31][32]
• Minimum purchase: None [31]
• How to apply for credit: Fill out the online Jordan’s Furniture credit application [33]
• Start shopping, or visit a Jordan’s Furniture

14. Shop Factory Direct

• Retail locations? No
• Financing options: Progressive Leasing [34]
• Minimum credit requirement: No credit needed; however, you must be at least 18, have a valid Social Security number or ISIN, routing information for an open active banking account, and a credit or debit card. [34]
• Down payment required: An initial lease payment is due at the time of purchase. [34]
• Minimum purchase: None [34]
• How to apply for credit: Fill out the online progressive leasing application for Shop Factory Direct [34]
• Start shopping

For more about financing with furniture stores, we list furniture stores with layaway plans.

1. https://helpcenter.affirm.com/s/article/what-is-affirm [↩]
2. https://helpcenter.affirm.com/s/article/loan-approvals [↩]
3. https://www.affirm.com/how-it-works [↩][↩][↩]
4. https://www.affirm.com/shopping/stores/wayfair [↩]
5. https://www.ashleyfurniture.com/financing/ [↩][↩][↩][↩]
6. https://help.progleasing.com/hc/en-us/articles/4417968853005-What-is-meant-by-No-Credit-Needed- [↩]
7. https://www.myfurnitureandmattress.com/financing.html [↩]
8. https://www.ashleyfurniture.com/ [↩]
9. https://www.la-z-boy.com/content/financing [↩][↩][↩][↩]
10. https://furnitureacademy.com/la-z-boy-terms-and-conditions/ [↩]
11. https://www.crateandbarrel.com/rewards/ [↩][↩][↩][↩]
12. Crate & Barrel customer service online chat [↩]
13. https://www.ethanallen.com/en_US/footer-financing.html [↩][↩][↩][↩][↩]
14. https://www.rcwilley.com/RC-Willey-Payment-Plans [↩][↩][↩][↩][↩]
15. https://www.raymourflanigan.com/Explore-Financing.aspx [↩][↩]
16. https://www.raymourflanigan.com/promotions/disclaimers [↩][↩]
17. Raymour & Flanigan customer service (888) 729-6687 [↩]
18. TD Bank retail card services (866) 494-8054 [↩]
19. https://www.raymourflanigan.com/raymour-services/financing-options [↩]
20. https://rh.com/customer-service/restoration-hardware-credit-card.jsp [↩][↩][↩][↩]
21. RH Furniture customer service online chat [↩][↩]
22. https://finance.consumercreditapp.com/cc/apply/rh [↩]
23. https://colemanfurniture.com/financing [↩][↩][↩][↩]
24. Atlantic Bedding & Furniture Facebook Messenger chat [↩][↩][↩]
25. https://progleasing.com/ [↩][↩][↩]
26. https://www.biglots.com/page/progressive-leasing/ [↩][↩][↩][↩]
27. https://www.biglots.com/help-faq/_/N-4005127926 [↩]
28. https://www.conns.com/conns-homeplus-lease-terms [↩][↩]
29. https://progleasing.com/frequently-asked-questions/ [↩]
30. Progressive Leasing customer service (877) 898-1970 [↩][↩]
31. https://www.jordans.com/content/customer-service/financing [↩][↩][↩][↩]
32. Jordan’s Furniture financial department (866) 856-7326 [↩][↩]
33. https://athome.versatilecredit.com/credit/apply [↩]
34. https://shopfactorydirect.com/progressive-finance.html [↩][↩][↩][↩][↩]