How You Can Finance Your Furniture

If you need new furniture, you can expect to pay thousands of dollars for it. But what if you don’t have the cash to do so upfront? That’s where furniture financing comes in. By financing your furniture, you’ll be able to repay your purchase over time. Here’s how furniture financing works and what some payment options look like.

How does furniture financing work?

Furniture financing can allow you to buy a new couch, table, bed, or other piece of furniture without paying for it all at once. If you go this route, you can pay back your purchase over time instead of having to pay the full price upfront. Fortunately, there are multiple furniture financing options at your disposal.

Benefits of furniture financing

The most noteworthy benefits of financing your furniture include:

Get your furniture right away

If you finance your furniture, you can receive it immediately instead of having to wait weeks or months to enjoy it. As long as you sign on the dotted line and agree to the financing offer, the furniture company will ship you your purchase or give it to you right away.

You may not need good credit

Contrary to popular belief, furniture financing doesn’t require good credit. Even if you have a fair or bad credit score, you may still get approved. Many furniture financing solutions have lenient requirements.

Ways to finance your furniture

So how can you finance your furniture? Here are some options you may want to consider.

Personal loan

With a personal loan, you receive a lump sum of money to cover the cost of your furniture. Then, you pay the loan back with interest via fixed monthly payments over an agreed-upon term.

Credit card

A credit card can allow you to spend as much or as little as you’d like up to your approved credit limit. Once you put your furniture purchase on it, you’ll need to make at least the minimum monthly payment every month. If you don’t pay your credit card balance in full, you’ll be on the hook for interest charges.

In-store financing

Many furniture stores offer in-store financing options for their customers. Although each store has its own unique terms and conditions, many will approve you regardless of your credit. Some furniture stores offer credit cards, payment plans, or both.


With a layaway plan, your furniture stays in the store while you make payments over time. You’ll likely have to make a down payment, which will be based on the total cost of your furniture. Then, you’ll repay your purchase via small payments every week, two weeks, or month. You can pick up your furniture once you’ve paid it off in full plus any extra fees.

Advance America can help you finance your furniture

Advance America is a great option for furniture financing. Our emergency loans like payday loans and installment loans can help you buy the furniture you need without having to pay the full price right away. You can fill out an application in-store or from the comfort of your own home, and may get an instant decision. Best of all, you don’t need good credit to get approved for our loans.

The Advance America advantage

Since 1997, Advance America has helped millions of hardworking people with a variety of financial solutions including Payday Loans, Online Loans, Installment Loans, Title Loans and Personal Lines of Credit.
148+ million
loans issued
1,100+ stores
and online loans
24+ years
providing loans