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Retail Stores That Offer Financing without a Credit Check

The list of retail stores that offer financing without a credit check is huge. You might walk past your local retail stores all the time and think, “I couldn’t afford top quality merchandise like that,” but that’s not always the case. Besides buying layaway items and clearance items, more and more furniture stores are offering no credit or bad credit financing and customers don’t even have to go through the ordeal of a credit check.

These businesses are starting to learn alternative ways to finance that fit their customers’ financial needs. Here’s how retails stores offering financing for people with no credit cards or bad credit histories. I’ll pick a random type of business that people often assume they can’t afford–furniture sales–and show that alternative financing systems will allow them to buy what they want without getting turned down because of their credit situation.

Diamond National – Jewelry without Credit Checks

Jewelry Store Display

Jewelry Financing Is Also Available without a Credit Check.

No credit check with 100% guaranteed approval on their four-easy-payment plans. Diamond National has items arranged by prices range, so you’ll be able to shop more efficiently. Also, you can shop by category, so browsing includes wedding jewelry, anniversary items, and diamond jewelry.

You’ll also be able to shop through gemstones, platinum, silvery, gold, Black Hills gold, rose gold, children & teens jewelry wearers, and gift (including crystal). Click to check out the latest rings, bracelets, earrings, pendants, necklaces, necklaces, wedding solitaires, engagement rings, ladies bands, gents bands, trio sets, bridal sets, wraps and guards.

Conn’s Electronics and Appliances – Preapproved

Conn’s is a major appliance chain with the slogan “No Credit? No Problem!”. Conns arranges low monthly payments that fit anyone’s budget, the ability to pay in person, over the phone, or online, and the ability to pay off the balance to own the product (sounds like rent-to-own). With their “RAC acceptance”, Conn’s says yes, no matter what. No long term contracts are required, with payment via Mastercard, VISA, Discover, PayPal, or American Express. Also, Conn’s reports to the credit agencies, so every payment helps you build good credit.

All Furniture by Catalog

In 2007, Jose A Alvarez, an El Paso man who had been in the furniture business since 1989, decided to go into business himself selling furniture and home furnishings. Over the past five years, Jose Alvarez has built an electronic furniture order business that’s proven a huge success. AllFurniturebyCatalog uses Google Checkout and its PayPal merchant status to offer low cost furniture over the Internet. More than that, this online business offers no credit check financing.

All Furniture by Catalog” offers furniture like bunk beds, daybeds, futons, single beds, and kids furniture over the Internet. You can also buy bedroom furnishings like bedding through this retailer. ALL Furniture by Catalog also offers casual dining and formal dining furniture and counter height dining pieces. Customers also have their selection of living room pieces, recliners, entertainment centers, occasional tables, single chairs, and home office equipment. Name the type of furniture available and you can buy it online–and financing is available.

Arkansas Furniture Financing

If you live or shop in Arkansas, you might be able to find financing despite bad credit because over 500 retails and associate members of the Arkansas Homefurnishings Association. These five-hundred businesses are given consultation on business problems and executive and employee training on home furnishing repairs by the AHA, but the Arkansas Home Furnishings Association also provides private label financing of accounts and credit insurance to these businesses.

No credit shoppers hoping to buy furniture in Arkansas should look for companies like Kith Kitchens, Jamison Bedding, Harden Manufacturing, Mayo Elegant Home Fashions, Med-Lift & Mobility Inc Quality Lift Chairs, Rustic Heritage in North Little Rock, Symbol Mattress, and even Serta.

You might ask how all these businesses handle financing when they don’t perform a background check. Not all of them do. Some give financing to customers who wouldn’t pass a background check, because they work with partners who know how to finance retail sales for bad credit risks. Working in partnership, these furniture companies tend to finance primary credit, while their partners finance secondary credit. I’ll give you a bit of a look behind the curtain.

4 Sales Finance – Secondary Credit Financing

4SalesFinance is an alternative sales finance company which offers secondary sales finance programs for businesses. 4-Sales-Finance has a team of lenders and progressive methods for high-yield alternative sales financing. This helps business owners grow their small business, since they don’t lose customers who think they have no chance to buy. Imagine if you could post a sign that said, “No Credit Check Financing“. That’s what a store can do when it uses 4salesfinance.

When you get customer credit applications rejected, this outfit processes them in under 2 minutes (with approval or denial), so no doesn’t have to mean know. 4salesfinance works with companies in furniture and upholstery, appliances and electronics, floor coverings, jewelry, power sports, spa and pool, heating and air conditioning, musical instruments, and home improvements.

Finance Companies for Retail Stores

ProgFinance is a company which provides a no credit check financing program with a 90 day payment option. Business owners who want to hire their services should contact them through their website. Source International offers aftermarket income, extended service contracts, and sales finance programs. This includes debt cancellation, extended service contrats for contractural libality, loss cost analysis, consulting for manufacturers and insurers, TPA formation, and large retailers in-boarding warranty programs, also known as service contracts. Let me give a couple of examples of the businesses they support.

These methods don’t apply just to the new furniture industry. You can also buy other home furnishings or household equipment without a credit check. I’ll be writing in the coming about entirely different sales industries, so keep checking back for updates. For now, here’s a furniture protection company and a pool & spa business that offer financing without a credit check.

Goldcoat Furniture Protection Products

Goldcoat sells furniture protection products for leather, wood, and fabric furnishings. 4sales finance provides primary and secondary financing (bad credit), while 4warranty Corporation offers furniture warranties.

Splash Project Pool Equipment and Spa Accessories

The Splash Project is an Orange Park, Florida company which offers pool equipment like heaters, cleaners, filters, pumps, and motors. You can also buy gaming tables, barbeque grills, tanning beds, and patio heaters at their store front. The Splash Project sales new spas and used spa–and offers extended service plans on all of these products.

Best Retail Stores that Offer Financing

This is a just a partial list of the programs in place.

I’ve found auto dealerships, furniture stores, auto repair shops, veterinary practices, medical practices, dental practices, and even martial arts schools which offer no credit check financing through businesses like US Best Biz. Once you start searching for preapproved financing at retail chains, you’ll find that the sheer number of options is staggering. Whatever goods or services you need without a lot of credit hassles, they are attainable with an online search. Don’t give up hope.

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