Pre Qualify Furniture Financing

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Pre Qualify For Furniture Financing

Acorn Finance gives you control when shopping for low rates on a loan to buy new furniture. Compare personalized offers from lenders in our network, with no impact to your credit score. That means multiple loan offers for your new furniture in seconds. We’ll even help you check for pre-qualified furniture financing in seconds with our broad network of national lending partners. You can easily sort the offers based on what’s most important to you: interest rate, payment amount, length of the loan term. Our 100% online, customer-friendly process is designed to help you find affordable payment options with lenders that can quickly finance your new furniture.

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How We're Different

Get Offers in Seconds

Get pre-qualified for multiple loan offers with an easy online form.

Won't Impact Your Credit

Receive pre-qualified offers with no impact to your credit scores.

Competitive Payment Options

Loans up to $100,000; Terms up to 12 years; APRs as low as 3.99%.

Receive Funds Quickly

In some cases, receive funds in as little as one business day.

“The process couldn’t have been any easier. I filled out a short form that took me less than 2 minutes and within seconds I got multiple offers from lenders.”


– Mike T. (TN)

“It was important to me that I could review my offers without any impact to my credit score, before deciding on the best loan option.”


– Carol R (FL)

“I like the easy online and 100% paperless experience of Acorn Finance. I received my money two days after completing my application.”


– Bob S (WI)

Ready To Finance Your New Furniture?

Get pre-qualified for multiple furniture financing offers with an easy online form.


Best Furniture Financing Options

Are you moving into a new home or upgrading your existing pad? Outfitting your living space with chairs, couches, tables, and other furnishings can quickly get expensive — especially if you enjoy the finer things in life. But what if you want a nice furniture now, but don’t have enough cash in the bank to buy it outright? That’s where furniture financing can come to the rescue.

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Can You Pre Qualify for Finance Furniture?

It might come as a surprise to some, but it’s certainly possible to finance furniture rather than paying for it all at once. Financing furniture lets you instantly level-up your living space without draining your bank account. But this convenience comes at a cost and might not be best for everyone. (More on that later.)

What Is the Average Cost to Furnish a Living Room?

According to Circle Furniture, the cost to fully furnish a living room in the United States starts at around $10,000 and can go up to $25,000 or more. Couches are generally the most expensive piece of furniture in living rooms, with an average cost of more than $1,000. Rugs can be very expensive as well, especially if you have a lot of flooring to cover. Other items, including tables, chairs, drapes, and lighting, can range from $100 to $1,000 and up.

How Much Does It Cost to Fully Furnish an Apartment or Home?

Depending on your personal taste and how much space you’re working with, the cost to fully furnish your home could range from a few thousand dollars to tens of thousands of dollars. Estimate spending roughly $5,000 for each room in your abode, or up it to $15,000 per room if you insist on getting the best furniture money can buy.

How Much Should You Spend on New Furniture?

A good rule of thumb is to only spend as much on furniture as you can afford. That said, if you haven’t saved up for a furniture spree, a $5,000 budget is a good starting point for apartments, whereas $15,000 can go relatively far when furnishing a house.

Is It a Good Idea to Finance Furniture?

For most people, it’s not a good idea to finance furniture because you’ll almost undoubtedly end up paying significantly more than if you had paid with cash in the first place. Not to mention, the process of financing furniture will also negatively affect your credit score. However, if you are able to find a retailer that offers no-credit-check furniture financing with a 0% interest promotional period, doing business with that company could actually work in your favor.

How Does Financing Furniture Hurt Your Credit?

Opening up a new financing account will always negatively impact your credit score, at least in the short term. The reason for this is threefold:

#1 – When a company conducts a credit check to determine your eligibility for financing, this is known as an inquiry. Inquiries automatically reduce the applicant’s credit score but only by a few points.

#2 – A significant factor in calculating an individual’s credit score is the average age of their open accounts, which includes loans, credit cards, and financing relationships. Opening a new account lowers the average age of accounts, which consequently lowers the person’s credit score.

#3 – By financing your furniture — rather than paying for it upfront — you’ll be taking on a form of debt. Any increase in debt will lower your credit score, especially if you have high balances across several accounts.

Can Financing Furniture Help Build Credit?

Despite the many ways in which furniture financing can harm your credit record, it also has the potential to strengthen your score — but only in the long run. Credit bureaus reward consumers who have a proven history of paying their bills on time, and by opening additional accounts — and keeping each of them in good standing — your credit score will undoubtedly rise over time. So if you have bad credit, furniture financing could actually help you improve your situation.

Does financing furniture hurt credit?

Any time your credit is pulled or your debt is increased, you risk your credit score dropping. Whether you use an unsecured personal loan or credit card for furniture financing, your credit score may be impacted. However, as you start to pay down the loan and make on-time payments you may see your credit score increase. Furthermore, once the loan is successfully paid off, it should count as a good mark on your credit history. If you default on furniture financing your credit may be negatively affected. Before committing to furniture financing you should be 100% confident that you cover the monthly payment. While financing is convenient for most of us, it may encourage some of us to spend more than we can afford. In addition, interest and other financing fees can increase the cost of the furniture.

So does financing furniture hurt credit? The simple answer is, it may temporarily hurt credit but with potential to improve credit in the long run.

How Long Can You Finance New Furniture For?

If you opt to finance your furniture, you’ll likely want to pay off the balance as quickly as possible, or at least in accordance with the terms spelled out in the agreement. However, not all retailers impose a strict deadline regarding when financing arrangement ends. This gives consumers more time to pay for their furniture, but it usually means they’ll be paying exorbitant interest rates.

How to Pre Qualify For Furniture Financing

If you’ve decided to finance your furniture, the first step is to find a retailer that offers guaranteed furniture financing. Many popular home furnishing stores offer financing options, and there are many ways to finance furniture online as well. If you want to secure furniture financing and get pre-qualified, use Acorn Finance to see multiple furniture loan options at once with no impact to your credit score. If you’re approved, choose the furniture that’s right for you, and be sure to pay your bill on time. It’s that easy!

Who has the best furniture financing?

While some retailers and manufacturers offer promotional 0% furniture financing, you’ll have to qualify. If you can qualify for a promotional 0% furniture financing offer this may be the best way to finance furniture. In most cases, promotional periods are 6, 12, 18, or 24 months. The promotional period available usually depends on how much you spend. For larger or more expensive furniture purchases, the promotional period may not be long enough, thus making the monthly payment out of your budget. After the promotional period expires, lenders may tack on a high interest rate. While promotional financing may be a smart way to finance furniture you’ll need to make sure you can pay off the balance during the promotional period and pay close attention to the fine print. Alternatively if the manufacturer or retailer does not offer promotional 0% financing, you should consider an unsecured personal loan for furniture financing. In addition, if you are unable to qualify for promotional financing you may have better luck qualifying for an unsecured personal loan. Acorn Finance has top-rated lending partners that can provide personal loans for furniture financing.

Can I get furniture with bad credit?

If you have bad credit you may still qualify for furniture financing. While you may not qualify for promotional financing with bad credit, an Acorn Finance lending partner may be able to help you get furniture financing. Most lenders have their own internal standards for evaluating borrowers and determining credit risk. Some may be more focused on credit score than others. Most lenders weigh a variety of factors such as income, stability, credit history, residence, debt-to-income ratio, and more. If you have bad credit combined with a lack of income or inconsistent residence or employment, you may want to apply with a cosigner. Acorn Finance allows borrowers to apply with a cosigner to increase their chance of approval. If you have bad credit, Acorn Finance can help you connect with multiple lenders without impacting your credit score.

How can I finance furniture with no credit?

If you have no credit, it may be difficult to qualify for furniture financing. Most personal loan approvals are based on creditworthiness. If you have no credit it may be easier to qualify for a credit card. However, the credit spending limit you may qualify for will probably not be enough for purchasing furniture. Some retailers may offer in-house financing or rent to own options for borrowers with very bad credit or no credit. While this may be your only option, it’s probably not the best option. As an alternative, you can apply for a personal loan with a cosigner.

Is it better to finance or pay cash for furniture?

In some cases it may be better to pay cash but not always. If you have the cash available and it’s comfortable to spend the cash, you are better off paying cash. If there is a 0% promotional financing offer available, it may be the same as cash. However, taking out a loan means one more payment to manage each month. While a 0% promotional financing offer may not cost any extra up front, it will require some time to manage the loan. In addition, if you miss a payment you may be charged a late fee. However, if you do not have extra cash and need furniture, you can use financing. Furniture financing offers the option to make easy monthly payments while allowing you to purchase the furniture you need to create a comfortable living or work space.


Hopefully, you now have a better understanding of what furniture financing involves. If you’re ready to start upgrading your home today, explore your options and find a retailer that meets your needs.

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