Furniture stores with easy credit approval comes down to two types of stores:

  • Furniture stores with instant credit approval and/or a fast application process
  • Furniture stores with easy financing for people with poor credit or no credit

We’ve covered both types of easy credit approval below, with information on what you’ll need to qualify, how to apply for easy furniture store credit, and more.

Furniture Stores That Offer Instant Credit Approval and/or a Fast Application Process

With these furniture stores, it’s important to know that instant credit approval doesn’t mean that everyone is approved. It simply means that the credit decision is made instantly when you submit your application. You may not qualify for instant credit approval if your credit score doesn’t meet the requirements for a particular store’s financing program.

And now, here’s the list of furniture stores that offer instant credit approval.

1. Ashley Home Store

2. Crate & Barrel

3. Ethan Allen

4. Jordan’s Furniture

5. La-Z-Boy

6. Raymour & Flanigan

7. RC Willey

8. RH Furniture

  • Easy financing options: RH Members Program Preferred Financing; Standard Financing; Standard Revolving Line of Credit
  • Required credit level: Not disclosed by the issuing bank (Comenity Capital Bank)
  • Down payment required: None
  • Minimum purchase: Varies for RH Members and Standard Financing programs; none required for Standard Revolving Line of Credit program
  • How to apply for credit: Fill out the online RH Credit Account Application
  • Source: The RH Credit Card page
  • Locations: 30 states. Find your nearest RH Furniture

Furniture Stores with Easy Credit Approval for Customers with Bad/No Credit

The following furniture stores provide financing programs for people who may not have the best credit scores. These programs approve most shoppers regardless of credit, and some don’t even require a credit check.

1. Atlantic Bedding and Furniture

2. Big Lots

3. Coleman Furniture

  • Financing program used: Buy Now, Pay Later with Affirm
  • Credit check required? Yes, but Affirm performs a “soft” credit check that does not affect your credit score. Most buyers are approved.
  • Instant approval: Yes
  • Available financing terms: 3-month, 6-month, and 12-month plans
  • Down payment: 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.
  • How to apply for credit: Shop the Coleman Furniture website and choose the “Financing with Affirm” option at checkout.
  • Source: Coleman Furniture Financing page
  • Locations: Online only. Start shopping at Coleman Furniture

4. Conn’s Home Plus

5. Shop Factory Direct

6. Wayfair

  • Financing program used: Buy Now, Pay Later with Affirm
  • Credit check required? Yes, but Affirm performs a “soft” credit check that does not affect your credit score. Most buyers are approved.
  • Instant approval: Yes
  • Available financing terms: 3-month, 6-month, and 12-month plans
  • Down payment: 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.
  • How to apply for credit: Shop the Wayfair website and choose the “Financing with Affirm” option at checkout.
  • Source: Wayfair Buy Now, Pay Later with Affirm page
  • Locations: Online only. Start shopping at Wayfair

You might have noticed that several of these easy furniture credit stores use a program called Progressive Leasing. You can learn more about the program (and find more stores that use it) in our article, The List of Progressive Leasing Stores.

In Summary

Easy furniture financing is available. Some stores offer a quick application process and instant credit approval, and some provide easy furniture financing for people with bad credit or no credit. You’re likely to find a furniture store near you with easy financing options that can help you start enjoying your new furniture right away!