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Best Furniture Financing That Doesn’t Require a Credit Check

Andrew Reyes
Two people sit on a couch in a furniture store while one checks the price tag.

No credit check furniture financing allows you to purchase furniture even if you don’t have the best credit. When you finance new furniture through a no-credit-check lender, you’re able to get the funds you need without having to pull your credit report.

While each lender has its own terms and rates, this option can help you purchase furniture while making monthly payments until you pay it off.

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Lenders for Furniture Financing With No Credit Check

These lenders offer furniture financing without requiring a credit check from you.

CashUSA.com

CashUSA.com is a quick, easy, and secure way of applying for no credit check furniture financing. Upon approval, your funds are sent to your checking account by the next business day.  

CashUSA.com offers a variety of loan amounts and loan term options. This is a great choice for someone who needs to purchase all new furniture, or even just a piece or two.  

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

Learn more about CashUSA.com today.

BadCreditLoans.com

BadCreditLoans.com is another great option for no credit check furniture financing. Their service is 100% free, with no cost or obligation to use the site. You can apply for financing directly through the website and receive approval within minutes.

BadCreditLoans.com partners with a network of lenders to offer you the best options they have available. Plus, with an entire network of lenders to back them up, they will accept applications from just about any consumer.  

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

Learn more about BadCreditLoans.com today.

Payoff

Payoff has a higher minimum loan amount, so this is a good option for consumers who need all new furniture. Plus, you can check your rate before you apply without affecting your credit score.

When you apply for no credit check furniture financing with Payoff, you decide what your loan term will be, giving you the freedom and flexibility to pay off your loan the way it works best for you. Once approved, the funds are sent directly to your bank account for you to use.

  • 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

Prosper allows you the flexibility to choose your terms after approval. To apply for a loan with Prosper, first, you select the reason for needing the funds. Their offering of home improvement loans can help you with your no credit check furniture financing.

Similar to Payoff, you can check your rate before applying for the loan and it will not affect your credit score. Once you get approved for a Prosper loan, the funds will be sent directly to your bank account for you to use to finance your new furniture.

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

OppLoans

OppLoans is another option for no credit check furniture financing. The rates for this particular loan are higher than most, so this is a great option if you are in a bind and cannot get approved for other loans.

OppLoans works with individuals who want to build their credit or improve their score. By making on-time payments and paying off your loan, you could see an improvement in your score. OppLoans offers great customer service and an easy application process.

  • Loan amounts: $500 to $4,000.
  • APR: 59% to 160%;
  • Loan terms: 12 to 24 months.

Learn more about OppLoans today.

OneMain Financial

With OneMain Financial you can check your offers before deciding whether to apply for a loan. OneMain Financial works with local lenders so that you can meet in person with your lender.

Once you apply and after you are approved, your lender will deposit the funds directly into your bank account for you so that you can use them when you need them.

  • Loan amounts: $1,500 to $20,000;
  • APR: 18% to 35.99%;
  • Loan terms: 24, 36, 48, or 60 months.

Avant

Avant is another great option for checking your eligibility without having to submit your credit score. Using Avant as your no credit check furniture financing lender means that you have flexible options for loan amounts and the opportunity for a comparatively lower APR (when compared with others on the list).

If you are approved for a loan with Avant, you can expect quick and easy service. And, if you have any questions along the way, they have a full staff of real people (no automated service) to answer your call.

  • Loan amounts: $2,000 to $35,000;
  • APR: 9.95% to 35.99%;
  • Loan terms: 24 to 60 months.

Upstart

Upstart is a highly rated service for no credit check furniture financing. With Upstart, you can check your rate without affecting your credit score. Plus, Upstart analyzes over 1,600 data points — rather than just your credit score — to determine your eligibility. This gives you a better opportunity at being approved.

  • Loan amounts: $1,000 to $50,000;
  • APR: 7.86% to 35.99%;
  • Loan terms: Three to five years.

PersonalLoans.com

With no hidden fees or obligations, PersonalLoans.com is a free service you could use for no credit check furniture financing. PersonalLoans.com is upfront and transparent in its pricing and rate options. You can see your offer in full detail before accepting.

You can also check your eligibility before applying. This allows you to see what type of rate you qualify for and whether it’s worth it to use PersonalLoans.com as your lender.

  • Loan amounts: $1,000 to $35,000;
  • APR: 5.99% to 35.99%;
  • Loan terms: 90 days to 72 months.

Learn more about PersonalLoans.com today.

What Is No Credit Check Furniture Financing?

No credit check furniture financing is an option you may use to finance new furniture without having to supply the lender with your credit report. People choose to go with no credit furniture financing if they have a bad credit score or a lot of derogatory marks on their credit report.

Because it’s riskier to offer a loan to a consumer without checking their credit report, you will find that the interest rates on these loans are higher than normal loans. If you choose to submit your credit report, you may get a lower rate if you have a good credit score.

How Do I Get No Credit Check Furniture Financing?

You can get no credit check furniture financing in just a few simple steps:

  1. Determine which lender you want to work with
  2. Use their “check your rate” feature, if they have one, to check your rate before you apply
  3. Submit your application
  4. Choose or accept your terms
  5. Once accepted, your funds will be sent to you according to your lender

If you are unable to obtain a no credit check financing option, improving your credit score over time can reduce the negative effects that a hard inquiry will have on your credit score.

Since “soft” inquiries are not visible to the credit reporting bureaus, you should focus on making on-time payments, addressing and fixing any derogatory marks, and limiting your hard inquiries to improve your credit score and ultimately obtain a no credit check financing option.

How to Find the Best No Credit Check Furniture Financing Provider

The best no credit check furniture financing provider may be different for everyone. While these lenders do offer no credit check financing, you are more likely to get better rates if you have a good credit score.

Be sure to research the company you plan to use before you even apply for a loan with them.

The best no credit financing company should provide:

  • Transparency in fees and costs
  • Great customer service
  • Competitive rates
  • Flexible loan terms to meet your needs

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