If you have bad credit, you may not qualify for a traditional loan or in-store financing that mainly considers your credit score. However, many furniture stores offer options such as no credit needed lease-to-own financing that you may qualify for. You can also quickly and easily apply for lease-to-own financing online.
You need to apply for furniture financing before you can get approved, but the best way to increase your approval chances is to get your credit score up, although that can take some time. However, having a steady income, an active checking account, and few to no missed payments is a solid place to start.