Best Bad Credit Furniture Financing

Andrew Reyes
A person holding a tablet in a furniture store.

Furniture is expensive. The average couch costs $1,000, with high-end couches running closer to $5,000. When furnishing a house with sofas, tables, chairs, bedside stands, and dressers, the cost of furniture adds up quickly.  

Most people end up taking out a small loan to pay for the furniture; however, if you have bad credit, taking out a loan while avoiding fees can be near impossible. In this article, you will find the best bad credit loans with low fees and reasonable annual percentage rates (APRs).

Table of Contents

Guaranteed Furniture Financing

Borrowers should never jump on the first option they see, especially when considering loans for bad credit. Here are several options with different benefits that will meet your furniture financing needs. is a lending portal that offers a range of loan amounts. Their site is simple to navigate and geared towards making the borrower feel as comfortable as possible.  

Borrowers will fill out a short application with basic information such as their address, Social Security number, driver’s license, and bank information. After applying, the borrower will connect with a list of lenders willing to offer a loan.  

From start to finish, should take borrowers no more than an hour to find their perfect loan. will deposit the money within one business day.

  • Loan amounts: $500 to $10,000;
  • APR: 5.99% to 35.99%;
  • Loan terms: 90 days to 72 months.

Learn more about CashUSA today. is another loan platform that is easy to use. Borrowers can apply to multiple lenders with a single application without worrying about being rejected due to a low credit score.’s application process is simple and helps borrowers connect with lenders who will accept their loan requests. With, borrowers can request up to $5,000, a perfect amount for buying furniture.

  • Loan amounts: $500 to $5,000;
  • APR: 5.99% to 35.99%;
  • Loan terms: Three years.

Learn more about BadCreditLoans today.


Payoff requires a soft credit check to prequalify for their offers. As long as borrowers have a minimum credit score of 640, they will qualify for most loans on the site.

Payoff has no prepayment requirements and no late fees, making it an affordable option to those looking for easy financing. They also offer low APRs and report to the three major credit bureaus. Payoff puts the borrower’s interests first and allows the borrower to change their payment date twice during the loan.

  • Loan amounts: $5,000 to $40,000;
  • APR: 5.99% to 24.99%;
  • Loan terms: Two to five years.

Learn more about Payoff today.


Prosper is a fast loan option for those looking for loans between $2,000 and $40,000. They have options for those looking to buy a single piece of furniture or for those looking to furnish an entire house.

To qualify for Prosper, borrowers will need to have a credit score of at least 640. To lower their APR, borrowers can also list a co-borrower on their account. Prosper is a good online lending option for those with low credit scores.

  • Loan amounts: $2,000 to $40,000;
  • APR: 7.95% to 35.99%;
  • Loan terms: Three to five years.


OppLoans is an online portal for those with bad credit. Borrowers looking for small loans with short loan terms will find options with OppLoans. They offer loans between $500 and $4,000 with loan terms of less than a month to two years.  

OppLoans has higher-than-average APRs, making them a last-choice option for borrowers. Borrowers should avoid accepting loans that have APRs higher than 36%. However, if there are no other options and you need the money same-day, OppLoans will have loans available.

  • Loan amounts: $500 to $4,000;
  • APR: 59% to 160%;
  • Loan terms: Up to two years.

Learn more about OppLoans today.

OneMain Financial

OneMain Financial offers various loan types and enhances the borrower’s experience by offering a mobile app. Borrowers can track their loans through the app and make faster payments.

OneMain Financial offers fair loans with a wide range of options. The entire application process is online and will take no more than a few minutes. OneMain Financial also has financial education options for those struggling with increasing or repairing their credit score.

  • Loan amounts:$1,500 to $20,000;
  • APR: 18% to 35.99%;
  • Loan terms: Two to five years.


Avant conducts a soft credit check to ensure that borrowers will receive a loan offer that matches their needs. With a 600 credit score or higher, most borrowers will qualify for lenders’ services on Avant’s site.  

Avant’s application process is fast, easy, and intuitive. They ask for basic information such as the borrower’s birthday, address, Social Security number, and bank information. After applying, borrowers can accept loan offers from lenders.  

Avant can deposit the money in the borrower’s account within a single business day. Once the borrower receives the payment, they can manage their loan through Avant’s mobile app.

  • Loan amounts: $2,000 to $35,000;
  • APR: 9.95% to 35.99%;
  • Loan terms: Two to five years.


Upstart is an online lending service targeted towards borrowers who have new credit and lack substantial credit history. As long as the borrower has a minimum credit score of 600, they can use Upstart.

After completing the Upstart application, borrowers can connect with a lender who meets the borrower’s personal needs. Borrowers will receive the funds within one business day.

  • Loan amounts: $1,000 to $50,000;
  • APR: 7.86% to 35.99%;
  • Loan terms:Three to five years. is an easy online portal for small to large loans. Borrowers can take out small loans to finance a single couch or large loans to furnish an entire house. No matter the loan type, will have the loan option available.

Borrowers with a credit score of at least 600 and an income of at least $2,000 a month are eligible to use They have low APRS and connect borrowers with real lenders likely to accept the borrower’s application.

  • Loan amounts: $500 to $35,000;
  • APR: 5.99% to 35.99%;
  • Loan terms:Three to 72 months.

Learn more about PersonalLoans today.

What Is Bad Credit Furniture Financing?

Without furniture loans, furnishing a house would be a nightmare. Couches cost around $1,000, beds can cost over $2,000, and the rest of the furniture can add up just as fast — this is where furniture financing becomes vital.

Bad credit furniture financing is a loan that borrowers could use to buy furniture for a home or office. These loans are typically smaller, with shorter terms.

If you have a low credit score, lenders are less likely to accept you for a loan. When lenders accept borrowers with low credit scores, they will inflate the APR to compensate for their risk.  

Bad credit furniture loans have higher rates and fees. However, borrowers can find loans with reasonable APRs if they know where to look. Borrowers should avoid lenders offering APRs higher than 36%, especially if the loan is variable.

How Do I Get Bad Credit Furniture Financing?

Borrowers can get bad credit furniture financing through online lenders. Online lenders use streamlined processes that connect borrowers to lenders within minutes. Here’s how you can use an online lending portal to get a furniture loan:

  1. Choose a lending service that offers what you need. Many lending services have different benefits — for example, one may offer educational services to improve your credit score while another offers flexible payment dates.
  2. Fill out the application. The process of filling out the application should only take a few minutes. You’ll need to have your address, bank information, and Social Security number on hand.
  3. Connect with lenders willing to offer you the right loan. The site will pull up multiple lenders to choose from.
  4. Read the fine print to make sure you’re getting the best deal possible.
  5. Collect your money deposited in your account.

Getting a loan will be easier after increasing your credit score. With a higher credit score, you’ll be eligible for better loan rates, which can save thousands of dollars. If possible, try increasing your credit score before applying for loans.

How to Find the Best Bad Credit Furniture Financing Provider

Finding a loan may seem complicated at first. If you go to your local bank for a loan, the process could take over a week, with multiple back-and-forth calls to solidify the loan. Finding a loan online is a must faster, easier process; however, there are still caveats.  

On one hand, when you’re at a bank, the bank finds the best options available for you. On the other hand, some online services won’t have your best interests in mind. To help you find the best bad credit loan provider, here are three things you need in an online lending portal.


Some bad credit lenders will take advantage of their borrowers by offering a variable rate between 35.99% and 400%. A variable rate swings with the market, meaning that the borrower can pay anywhere between 35.99% APR and 400% APR.

Borrowers should look for lending services with APRs that fall below 35.99%. Borrowers should also consider looking for a lender that offers a fixed APR, meaning that the APR stays the same throughout the loan.

Fixed APRs allow borrowers to plan and know exactly how much they will need to pay off the loan.

Free Educational Services

Some lending portals offer free credit educational services to those who use the site. Portals that offer educational services always have the borrower’s needs in mind — they want to help the borrower increase their credit score.

By helping borrowers increase their credit score, borrowers can qualify for better rates. Some lenders also report directly to credit bureaus and add positive credit history to the borrower’s credit report monthly.

Flexible Payment Dates

Borrowers should look for loans where they can control the payment schedule. Some lenders allow the borrower to change the payment dates multiple times throughout the term of the loan.  

Borrowers with flexible payment dates often feel more secure in their loans. Flexible payments help borrowers avoid late fees, keep their credit score up, and pay off their loans without stress.

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