When it comes to buying furniture, it can be challenging to find exactly what you’re looking for within a specific price range, especially if you are furnishing an entire home. Thankfully, there are multiple furniture stores that provide financing.

In this article, we reveal where a person can go to finance furniture, both online and in-store. We show you if a credit check is needed, whether or not the company delivers, and note the standard rate APR for financing. A store locator for each is also included to make the search easier. You’ll find the best choice for you by comparing the available options and determining which store can offer you the most competitive deals.

10 Major Furniture Stores That Finance

1. Ashley Furniture

  • Is financing available for in-store purchases or online purchases? A credit application can be completed online or in store.
  • Physical locations: Ashley Furniture stores are located nationwide. Use the store locator to find an Ashley Furniture store near you.
  • Is a credit check performed? Yes. All applications for financing are subject to credit approval.
  • Financing options: All financing options are available for purchases made in-store or online. 6/12 months, 24 months, 36/48 months and 72-month options are available.
  • Minimum purchase amount: There is no minimum purchase for 6 to 12-month financing. $999 minimum purchase for 24 months; $1,499 for 36 months; $1,999 for 48 months; and $2,499 online only for 72 months (no minimum in-store purchase).
  • APR: 29.99% for all financing options.
  • Penalties or fees: Minimum monthly payments are required. The Ashley Furniture website doesn’t list any penalties or fees but Synchrony Bank, the bank through which the Ashley Furniture financing takes place, states on its website that a late-fee penalty will be charged for payments that are not made by the due date. It does not list the amount of the late-fee penalty.
  • Accepted payment methods: Cash, check, and credit cards are all acceptable forms of payment.
  • Delivery or pickup options: Ashley Furniture will deliver your items directly to your home for an additional fee. If you live near an Ashley Furniture warehouse, you can arrange pick-up. Shipping to the store is available as well with you providing your own pick-up arrangements.
  • Read more about Ashley Furniture’s financing options on the financing page of the company’s website.

2. Bob’s Discount Furniture

  • Is financing available for in-store purchases or online purchases? Both, depending on the program. For online, the My Bob’s Card credit application is the only option. The “My No Credit Needed Payment Option” can only be used for in-store purchases.
  • Physical locations: Bob’s Discount Furniture has stores in 15 states including Connecticut, Delaware, Illinois, Indiana, Massachusetts, Maryland, Maine, Missouri, New Hampshire, New Jersey, New York, Pennsylvania, Rhode Island, Virginia, and Wisconsin. Use the store locator to find the Bob’s Discount Furniture near you.
  • Is a credit check performed? “My Bob’s Card” does require a credit check. The No Credit Needed payment option does not require a credit check.
  • Financing options: There are two major programs – the “My Bob’s Card” provided by Wells Fargo and the “My No Credit Needed Payment Option” backed by AcceptanceNow. My Bob’s Card purchases can be paid off in 6 months (no interest if paid in full by the six-month mark) for purchases of $399 or more. For purchases $1,200 or more, pay the balance within 12 months with no interest. You can finance your purchase past 12 months but you will begin to pay interest at that point. The My No Credit Needed is a lease option with monthly payment plans available.
  • Minimum purchase amount: $399 for the 6-month option, $1,200 for the 12-month option.
  • APR: 28.99% for the My Bob’s Credit card. No APR listed for the My No Credit Needed.
  • Penalties or fees: Minimum monthly payments are required for both programs. A fee of $37 will be charged for late payments or returned checks for My Bob’s Credit card purchases. No fees are listed for the My No Credit Needed program.
  • Accepted payment methods: Cash, check, and credit cards are all acceptable forms of payment. Bob’s even offers a Bob’s Gift Card.
  • Delivery or pickup options: Bob’s will deliver your items directly to your home for an additional fee. If you live near Bob’s Discount Furniture warehouse, you can arrange pick-up.
  • Read more about Bob’s Discount Furniture’s financing options on the financing page of the company’s website.

3. Value City Furniture

  • Is financing available for in-store purchases or online purchases? A credit application is available both in store and online.
  • Physical locations: Value City Furniture stores are located in 17 states in the Midwest, Southeast, and Northeast. Use the store locator to find a Value City Furniture store near you.
  • Is a credit check performed? Yes, but they have an option called “AcceptanceNow” that has no credit needed. When choosing this option, it is important to note that the store is buying the furniture for you and then leasing it to (you) the customer. It can help build credit because every on-time payment builds a positive credit history.
  • Financing options: The Value Plus card is a credit card available through Synchrony Bank. Value City offers different financing promotions throughout the year to current cardholders and those who apply for a new card. As of this writing, the current financing promotions include 36 months no interest on all bedding purchases; no interest for 12 months on purchases of at least $999; and no interest on qualifying, single-receipt purchases if paid in full in 6 months. Value City Furniture also offers the AcceptanceNow program on in-store purchases only of at least $299. This is a lease option with monthly payment plans available.
  • Minimum purchase amount: $999 for the 12-month option, $299 for the AcceptanceNow option.
  • APR: 29.99% for the Value Plus card; no APR noted for the AcceptanceNow program.
  • Penalties or fees: Minimum monthly payments are required for both programs. A fee of up to $37 will be charged for late payments for Value Plus card purchases. No fees are listed for the AcceptanceNow program.
  • Accepted payment methods: Cash, check, and credit cards are all acceptable forms of payment.
  • Delivery or pickup options: Value City will deliver or ship your items directly to your home for an additional fee. Pick-up of purchases is also available in-store or from a Value City distribution center.
  • Read more about Value City Furniture’s financing options on the financing page of the company’s website.

4. Furniture Row

  • Is financing available for in-store purchases or online purchases? A credit application is available both in store and online.
  • Physical locations: Furniture Row includes the stores Oak Express, Sofa Mart, Bedroom Expressions and Denver Mattress. Stores are located nationwide. Use the store locator to find a Furniture Row store near you.
  • Is a credit check performed? Yes, there is a credit check but there is an option for no credit check called the Progressive option. All financing options are available for in-store purchase only, although the credit check can be done online. PayPal is an option for online purchases.
  • Financing options: The Furniture Row credit card is available through Capital One. The basic financing option is 6 or 12 months, no interest if balance paid in full before the sixth or 12th month. Furniture Row also offers different financing promotions throughout the year to current cardholders and those who apply for a new card. As of this writing, the current financing promotions include 60 months no interest on qualified purchases of $1,499 or more. Furniture Row also offers the Progressive Lease-to-Own program on in-store purchases only. This is a lease option with monthly payment plans available.
  • Minimum purchase amount: $449 to receive no-interest financing. Over 24 months financing option available in-store only. No minimum noted for the Progressive Lease-to-Own option, see store for details.
  • APR: 24.9% on purchases; 28.99% penalty interest; no APR noted for the Progressive program.
  • Penalties or fees: Minimum monthly payments are required for both programs. A fee of up to $35 will be charged for late or returned payments for Furniture Row credit card purchases. No fees are listed for the Progressive Lease-to-Own program.
  • Accepted payment methods: Cash, check, credit cards and PayPal are all acceptable forms of payment.
  • Delivery or pickup options: Furniture Row offers delivery options. Fees are charged based on items purchased and distance from the distribution center. No pickup options are mentioned on the website. Inquire with your local Furniture Row location.
  • Read more about Furniture Row’s financing options on the financing page of the company’s website.

5. The Furniture Mart

  • Is financing available for in-store purchases or online purchases? A credit application is available both in store and online.
  • Physical locations: The Furniture Mart has stores in 5 states including Iowa, Minnesota, North and South Dakota, and Wisconsin. Use the store locator to find a Furniture Mart near you.
  • Is a credit check performed? Yes, all financing is subject to lender approval.
  • Financing options: The Furniture Mart credit card is available through Wells Fargo Financial National Bank. There are financing options available for 6 months to 60 months. Visit your local Furniture Mart or call 1-800-431-5921 for more details on the financing options. The No Credit Needed Program is available through Progressive. No credit is needed and there is an online application available. This is a lease-to-own option.
  • Minimum purchase amount: No minimum purchase amounts noted. No minimum noted for the Progressive Lease-to-Own option, see store for details.
  • APR: 28.99%; no APR noted for the Progressive program.
  • Penalties or fees: Minimum monthly payments are required for both programs. A fee of up to $37 will be charged for late or returned payments for Furniture Mart credit card purchases. No fees are listed for the Progressive Lease-to-Own program.
  • Accepted payment methods: Cash, check, credit cards and PayPal are all acceptable forms of payment.
  • Delivery or pickup options: Furniture Row offers delivery options. Fees are charged based on items purchased and distance from the distribution center. No pickup options are mentioned on the website. Inquire with your local Furniture Row location.
  • Read more about Furniture Mart’s financing options on the financing page of the company’s website.

6. Wayfair

  • Is financing available for in-store purchases or online purchases? Wayfair is available online only, there are no brick and mortar stores. Therefore, the credit application is available for online purchases only.
  • Physical locations: Wayfair is an online only furniture and home goods store.
  • Is a credit check performed? Yes, all financing is subject to lender approval.
  • Financing options: The Wayfair credit card is available through Comenity Bank. Special 12-month financing is available on purchases over $500 for qualifying customers. No interest if the balance is paid off within the 12 months. At checkout on the Wayfair site, there is also the Affirm loan option. You can pay on the loan for 3, 6, or 12 months.
  • Minimum purchase amount: Minimum purchase of $500 to qualify for the 0% interest for 12 months option on the credit card. Minimum purchase of $50 for the Affirm loan.
  • APR: 27.49% for the credit card, 10% to 30% on the Affirm loan option.
  • Penalties or fees: A late fee will be charged on all accounts with overdue payments. The site does not explicitly state the amount of the late fee. The Affirm loan does not charge any late fees or penalties, only the corresponding finance charge.
  • Accepted payment methods: Credit cards, PayPal, Masterpass, and Affirm loans are all acceptable forms of payment.
  • Delivery or pickup options: Because Wayfair is an online site only, all purchases must be delivered to the location you specify. Free shipping for orders over a certain dollar amount.
  • Read more about Wayfair’s financing options on the financing page of the company’s website.

7. Raymour and Flanigan

  • Is financing available for in-store purchases or online purchases? A credit application is available both in store and online.
  • Physical locations: Raymour & Flanigan have stores in 7 states including New York, New Jersey, Pennsylvania, Connecticut, Massachusetts, Delaware, and Rhode Island. Use the store locator to find a Raymour & Flanigan near you.
  • Is a credit check performed? Yes, all financing is subject to lender approval.
  • Financing options: There are several financing options available 0% APR options if paid within a specified number of payments. Options include 24, 36, 48, 60, and 72 equal payment options. There are also 6-month and 12-month financing options available.
  • Minimum purchase amount: Minimum purchases range from $2,400 to $7,200, depending on the number of equal payments selected. The 6-month financing option requires a minimum purchase of $600 and the 12-month financing option requires a minimum purchase of $1,200.
  • APR: 28.99% for all options listed above. No interest charged if the balance is paid within the selected time frame.
  • Penalties or fees: A late fee of $27 will be charged on all accounts with overdue payments.
  • Accepted payment methods: Cash, check or major credit cards are accepted in-store. Credit cards are accepted for online purchases.
  • Delivery or pickup options: Delivery is available and is an additional 10% of your purchase with a minimum charge of $299 and a maximum charge of $699. In-store pickup is also available and FedEx and UPS shipping is also available for smaller goods ordered online.
  • Read more about Raymour & Flanigan’s financing options on the financing page of the company’s website.

8. Havertys Furniture

  • Is financing available for in-store purchases or online purchases? A credit application is available both in store and online.
  • Physical locations: Havertys has stores in the states of Alabama, Arkansas, Florida, Georgia, Indiana, Kansas, Kentucky, Louisiana, Maryland, Missouri, North and South Carolina, Ohio, Tennessee, Texas, and Virginia. Use the store locator to find a Havertys Furniture near you.
  • Is a credit check performed? Yes, all financing is subject to lender approval.
  • Financing options: The Havertys Furniture credit card is available for qualified customers issued through Synchrony Financial.
  • Minimum purchase amount: No minimum purchase amount.
  • APR: 29.99%
  • Penalties or fees: A late fee of up to $37 will be charged on all accounts with overdue payments.
  • Accepted payment methods: Cash, check, traveler’s checks or major credit cards are accepted in-store. Credit cards are accepted for online purchases.
  • Delivery or pickup options: Delivery is available; fees are determined depending upon on your zip code. Havertys requires 48 hours notice in order to make changes to a scheduled delivery appointment.
  • Read more about Havertys financing options on the financing page of the company’s website.

9. Rooms to Go

  • Is financing available for in-store purchases or online purchases? A credit application is available both in store and online.
  • Physical locations: Rooms to Go has locations in Alabama, Florida, Georgia, Louisiana, Mississippi, North and South Carolina, Tennessee, Texas, Virginia, and Puerto Rico. Use the store locator to find a Rooms to Go near you.
  • Is a credit check performed? Yes, all financing is subject to lender approval.
  • Financing options: Rooms to Go offers promotional financing options; their current offer is 60 months interest-free financing (offered through Synchrony Financial).
  • Minimum purchase amount: No minimum purchase amount on this promotional financing offer.
  • APR: 29.99%
  • Penalties or fees: A late fee of up to $37 will be charged on all accounts with overdue payments.
  • Accepted payment methods: Cash, check or major credit cards are accepted in-store. Credit cards are accepted for online purchases. Rooms to Go gift cards are also available for purchase and can be used for payment.
  • Delivery or pickup options: Delivery is available and the cost will be dependent upon how far your home is from a Rooms to Go warehouse. Delivery fees range from $19.99 to $169.99, depending on the item. Home accessories purchased online can be delivered through UPS standard ground shipping.
  • Read more about Rooms to Go’s financing options on the financing page of the company’s website.

10. Badcock

  • Is financing available for in-store purchases or online purchases? A credit application is available both in store and online (note: to apply online, you first have to enter your zip code to find the nearest store).
  • Physical locations: Badcock has stores in eight states, including Alabama, Florida, Georgia, Mississippi, North and South Carolina, Tennessee, and Virginia. Use the store locator to find a Badcock store near you.
  • Is a credit check performed? Yes, all financing is subject to approval. Also, because Badcock offers in-house financing to its customers, it can only extend credit to customers in Alabama, Florida, Georgia, Mississippi, North & South Carolina, Virginia, and Tennessee.
  • Financing options: Six month or 12-month financing is available with no interest if paid in full within the 6 or 12 months.
  • Minimum purchase amount: No minimum purchase amount on this promotional financing offer.
  • APR: Varies by state, ranges from 18% to 24%.
  • Penalties or fees: No penalties or late fees noted on Badcock’s financing page but a condition of financing is that minimum monthly payments must be made timely.
  • Accepted payment methods: Cash, check or major credit cards are accepted.
  • Delivery or pickup options: Delivery is available for an additional fee.
  • Read more about Badcock’s financing options on the financing page of the company’s website.

In Summary

There are many different options when it comes to financing your furniture purchase. Offers available to you will depend on the store, how much you plan to spend, and whether or not you are approved for financing. Typically furniture stores will offer 0% financing for a certain length of time for those who qualify, which can help you save money on interest payments. You’ll want to be sure to pay off the balance within that time frame as most interest rates skyrocket to as high as 29%. Doing the research up front can save you time, energy and money and make your furniture shopping experience that much more enjoyable.