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Furniture for People with Poor Credit

Homeowners and home furnishing shoppers with poor credit who are searching for furniture are in luck. I’ve noticed that furniture and home furnishing stores tend to offer more payment plans than most other merchandise sales out there. I’m not sure exactly why that is, though I suppose couches, chairs, tables, and beds are something everyone needs.

The demand exists to buy goods to go in your house, so the retail outlets have to find a way to make expensive furniture sales work for everyone. Traditionally, that means young people and newlyweds end up buying their first furniture sets with alternate methods, such as layaway, rent-to-own plans, and other creative ways that work for buyer and seller.

Furniture Sales with Bad Credit

Since so many furniture sellers have taken their operations online, new ideas have begun to fill the home decoration market. Customers, especially customers with bad credit who might not be able to “pass” a credit check, can find good ways to pay for furniture without going through the strains of the traditional credit check.

Third-Party Finance Companies

Living Room Furniture

The Living Room Is the Centerpiece of Your Home’s Interior. Make It Your Focus.

In recent years, furniture outlets have started partnerships with third-party finance companies that have figured out how to provide secondary credit and financing to people with bad credit and no credit. These days, people who search can find a number of furniture retail stores that don’t require people to undergo a credit check.

I’ve collected a list of some furniture stores that don’t require your credit to be checked, so here’s that list.

You’re in luck if you’re looking for furniture for people with poor credit. I’ve noticed that furniture and home furnishing stores tend to offer more payment plans than most other merchandise sales out there. I’m not sure exactly why that is, though I suppose couches, chairs, tables, and beds are something everyone needs. The demand exists to buy goods to go in your house, so the retail outlets have to find a way to make expensive furniture sales work for everyone.

Secondary Credit

Traditionally, that means young people and newlyweds end up buying their first furniture sets with alternate methods, such as layaway, rent-to-own plans, and other creative ways that work for buyer and seller. In recent years, furniture outlets have started partnerships with third-party finance companies that have figured out how to provide “secondary” credit and financing to people with bad credit and no credit. These days, people who search can find a number of furniture retail stores that don’t require people to undergo a credit check. I’ve collected a list of some furniture stores that don’t require your credit to be checked, so here’s that list.

Cole Furniture

Cole Furniture – Cole Furniture in the Greater Cincinnati Area (Mt. Orab) delivers to Cincinnati and Dayton and it offers furniture and mattresses with no credit checks. Cole Furniture uses different payment plans that help you finance your home purchases. Just ask for “Plan B” or “Plan C”. Their slogan is “No Credit? Bad Credit? No Problem”. Listed on the front page are household items like leather sofas, traditional sofas, sectional sofas, reclining chairs, coffee table sets, end tabls, bedroom sets, bunk beds, mattresses, dining and kitchen sets, TVs, and entertainment furniture. Cole Furniture and Mattresses has clearance sales and doorbuster deals with the lowest prices guaranteeds on a nationwide basis. Don’t foget to print off their 30% off coupon for discounts on sofas, chairs, loveseats, dining tables, and all kinds bedroom furnitute. Also, if you buy any in-stock mattress set over $500, there’s a printable $100 off furniture coupon on their website. Brands include Simmons Beautyrest, Serta Perfect Sleeper, and Sealy Posture Pedic. Also, check out the links Cole Furniture gives to brands you might find in-store. These links go to Smart Source, Coupon Cabin, Retail Me Not, and Coupon Mom, so you might find brand coupons for the furniture you want.

Coles Furniture posts pictures of all items, so you can see snapshots of headboards, bedroom sets, cribs, futons, and daybeds. The current online

Buddy’s Home Furnishings – Preapproved Credit

Buddy’s Home Furnishings – Buddy’s Furniture has a whole host of payment plans, including a rental application with no credit needed. This pre-approved online credit line gives you up to $2,000 of purchasing power. Getting approved is easy and quick–you’ll be signed up in a matter of minutes. People can purchase rent-to-own furniture or the new-style payment method called “lease ownership”. Buddy’s has whole sections for “Appliances Rent to Own”, “Computers Rent to Own”, and “Electronics Rent to Own”. With fast computers, bigger computers, and all the best brands, you should be able to find the household goods you need.

Bailey’s Furniture – Lease Financing

Bailey’s Furniture – Bailey’s is based in Anchorage, Alaska and has been in business since 1990. Originally started in 1990 by Ron, Coy, and Ruth Bailey under the name A-I Discount Furniture, the Baileys took on a partner in 1993 (Mike and Krista Bailey) and opened a new store in Wasilla. These days, Bailey’s Furniture has 7 stores thorughout Alaska, including locations in Fairbank and Soldotna. You can buy youth furniture, casual dining sets, formal dining sets, home entertainment, youth furniture, collection, modern living sets, commercial office furniture, and Accent furniture. All items are supported by the Bailey’s “No Credit Check Financing” plan. This once was a no credit chain that helped Alaskans afford good furniture. Now everyone can enjoy their approval process and financing plans.

Wayfair: Accent Furniture Direct

Wayfair Accent Furniture Direct – The Accent Furniture company has its own direct service. Accent Furniture Directs advertises itself as a seller of bookcases, cedar chests, consolte tables, grandfather clocks, fine art prints, wall art, sculptures, magazine racks, lighting, tapestries, umbrella stands, upholstery chairs, vanities, towel racks, sinks, sink vessels, space savers, nesting tables, jewelry armoires, ottomons, kitchen cars, game room equipment, fireplaces, and even space savers. Accent offer discounts and rebates, and you’ll find it in advertised prominently on most sites I’ve listed today.

All Furniture By Catalog

All Furniture By Catalog – AFBC – I’ve talked about “All Furniture By Catalog” before, so I’ll just mention this is an online furniture, home furnishings, and bedding store from El Paso. Everyone is pre-approved or as they put it, “guaranteed credit approval”. That means no credit check, cheap shipping, and the ability to choose from thousands of home items.

Aaron’s Furniture No Credit Check

Aaron’s Furniture – Aaron’s has a no credit check policy similar to Buddy’s Home Furnishings: a $2000 line of credit pre-approved. Aarons Furniture is a big chain , so you’ll be able to find furniture, electronics, appliances, and computers at cut-rate prices and won’t have to deal with a credit check. Browse through Aaron’s circular, which details ways to get your home furnishings in 120 days without high interest rates or credit checks. Top brands like Panasonic, Samsung, Woodhaven, Philips, Frigidaire, SHARP, Hewlett-Packard (HP), JVC, Maytag, and Sylvania. The “Monthly Specials” page is also a first rate way to shop for the best and featured items at Aaron’s Online.

This may not be a comprehensive list of furniture stores which don’t use credit checks, but it should give an idea of what’s out there. When you search in your local Yellow Pages or online in the White Pages, input “pre-approved credit” to see what the directory says. Buying furniture and home furnishings while having a lousy credit score has never been easier.

Just remember, these companies offer first-rate home furnishings. There is no reason you have to settle for second-best, simply because you’re not paying with MasterCard, VISA, or American Express. Heck, you’re paying with straight cash. Nothing’s better than that.

Where to Buy Bad Credit Home Furnishings

People with poor credit can buy good furniture at top online local stores. The home furnishings you buy are going to be from the same manufacturers that the retail chains sell, but these local businessmen offer better deals at lower prices. This gives students and young adults just starting out a little more money to spend on the finer things in life: going out with friends, finding love, or starting to save for the future.

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