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Furniture Loans for Bad Credit

Get personalized rates in 60 seconds for furniture loans for bad credit, without affecting your credit score.

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Furniture Financing with Bad Credit

In order to find the best furniture loans for bad credit, you’ll have to compare offers. You may want to consider more than the lowest payment you can find when seeking furniture financing, does not mean the lowest loan cost. Pay attention to the APR and other factors such as origination fees. Remember, offers you receive based on your information are different from advertised rates. Comparing real offers is often one of the best ways to choose the best option.

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How to Get a Furniture Loans for Bad Credit

Check Offers for Furniture Financing with Bad Credit at Acorn Finance
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Fill out an easy online form to check for pre-qualified offers with no impact to your credit score
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Compare terms and payment options to select the offer that’s best for you
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Complete your application on your selected lender’s website
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Receive funding

After your loan is approved, your funds should arrive within 1-2 business days2

Quick, Simple & Online: Furniture Financing with Bad Credit

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Helping You Find Furniture Loans for Bad Credit

Furniture loans for bad credit are specially designed financing for borrowers with subpar credit. While it may be more difficult to obtain bad credit furniture financing, there are some lenders who are willing to find solutions for bad credit borrowers. There are a couple different ways to go about financing furniture with bad credit. Here are the most common avenues:

  • Personal loans: Personal loans are typically unsecured with a fixed interest rate. While most lenders do prefer to work with borrowers that hold a good credit score, some lenders (especially online lenders) may be willing to look past bruised credit and consider other factors more heavily such as income and debt to income ratio when determining eligibility for bad credit furniture financing. To check personal loan offers with no credit impact, visit Acorn Finance. 
  • In-store financing: In store financing may be available, depending on where you are shopping for furniture. These can be unsecured, or secured with the furniture you are financing. Retailers typically partner with financial sources to connect customers with financing to boost sales. It can be a win for all parties involved if it works as intended. 
  • Lease-to-Own: Lease-to-Own options may be more difficult to come by, but may allow for no/bad credit furniture financing. What this means is, having an extensive or perfect credit history is not always necessary, but these lease-to-own suppliers may still run a credit check. This avenue can often be much more expensive than other funding options in the long run. 

Furniture Loans for Bad Credit: Frequently Asked Questions

Most furniture loans for bad credit operate on an installment structure. An installment loan is a lending structure in which a lump sum is dispersed soon after approval, and is repaid (with interest) over the length of the loan. The size of your monthly payment amount will typically depend on a few different factors such as:

  • Interest rate: Your interest rate can often be determined by your credit score, income amounts, and your debt to income ratio. Bad credit borrowers with lower income may see higher interest rates compared to good credit borrowers that have a steady and sufficient gross income. They may also experience a harder time qualifying. 
  • Length of your loan: Longer repayment periods often allow for lower monthly payments.
  • Amount of your loan: Large personal loans can translate to higher monthly payments, so make sure that you’re not biting off more than you can chew when seeking bad credit furniture financing.

Are furniture loans for bad credit worth it?

Whether or not furniture loans for bad credit are worth it will be situationally dependent. In most cases, it is advisable to work on improving your credit score before seeking financing for furniture with bad credit. It can help to utilize an online credit monitoring platform so that you can see exactly what areas of your credit report need attention. Some common reasons people seek bad credit furniture financing are:

  • Moving in to a new place
  • Kids are now grown and it feels safe having “nice” things in the home again
  • Pet damage to existing furniture
  • The need to replace existing furniture due to bug infestations
  • Family size expanding means a need for additional beds, etc. 

Whatever your reason for needing new furniture is, weigh the pros and cons before deciding if bad credit furniture financing is worth it in your situation.

Compare & Shop Furniture Loans for Bad Credit at Acorn Finance

If you have hit a stage in life where new furniture would take your quality of life up a notch, but are worried about your bad credit affecting your ability to obtain furniture financing, take a seat. Bad credit furniture financing could help you get the furniture loan you need. 

 What would you say if we told you that you could check for offers without impacting your credit score? Well, you can. 

Keep reading to learn all about furniture loans for bad credit borrowers and how you can find the best furniture financing offers for you, for free, without affecting your credit score.

Learn More About Furniture Financing with Bad Credit:

What credit score do you need for a furniture loan?

Each lender will have their own sets of eligibility criteria, including credit score requirements for approval for a bad credit furniture loan. Many lenders will only collaborate with borrowers that hold a credit score that falls in the “good” range or above, but some can consider lending solutions for borrowers with a credit score as low as 600. Individuals with credit in the fair, good, or excellent ranges will likely return more offers in their search. 

Is it hard to get a loan for furniture with bad credit?

It can be hard to get a loan for furniture with bad credit. What can help is having the ability to repay your loan through a sufficient income and a low debt to income ratio and job stability to reassure the lender that your income shouldn’t change. 

Secured loans can be easier to qualify for with bad credit and/or return more favorable offers - but they come with their own set of risks including losing your collateralized assets whether that is the furniture itself or vehicles, real estate, etc. 

Why choose Acorn Finance for bad credit furniture loans

Our platform is safe, secure, and 100% online. Your prequalification application can be completed in as little as 60 seconds and can be done from the comfort of your couch - if you have one. Once you have checked for offers, it’s time to compare rates and terms. You hold the power to choose the loan that works best for you and your financial situation.

How to apply for furniture loans with bad credit:

Applying for a furniture loan with bad credit can be a straightforward and simple process:

#1. Go to Acorn Finance online

Start your search on our 100% safe platform. 

#2. Get prequalified

Fill out our simple form and click submit to check personalized offers with no credit impact. 

#3. Compare offers to choose the best one

Compare offers from top national lending partners side-by-side and choose the one that works best for you. 

#4. Complete the application with the lender 

Once you’ve selected an offer, work with the lender of your choice to finalize the application process. 

#5. Receive funding

Once approved, the lender can issue funds. Our lending partners can fund loans in as little as 1-2 business days, although funding times can vary.

While taking out a loan when you have bad credit is never ideal, there may be  options when it comes to obtaining a bad credit loan for furniture financing. Visit Acorn today to check for offers, compare rates and terms, and find the furniture financing you need to make your house a home. 100% online, 100% easy, 100% safe. That’s Acorn - in a nutshell.

Pros and cons of furniture loans for bad credit

Some of the pros and cons of bad credit furniture loans are as follows:


  • A more comfortable home environment.
  • The opportunity to rebuild your credit score through on time payments.
  • The opportunity to be selective with any loan offers you receive.


  • Potentially higher interest rates.
  • Defaulting on your bad credit furniture loan can have adverse consequences.
  • Extra fees may come with a bad credit furniture loan.

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