How Your Credit Score Affects Furniture Financing

When you apply for furniture payment plans, lenders review your credit score to assess your risk. A high score suggests responsible repayment habits, which can lead to better rates, higher limits, or promotional offers. Lower scores may limit your options or lead to higher interest rates.

If your credit history isn't ideal - or you're still working to establish one - there are financing options available. Many furniture stores offering financing for customers with lower credit scores partner with third-party lenders that look beyond just your credit rating. Others provide "no credit needed" furniture financing, making their products accessible to a wider range of shoppers.

Common flexible options include: 

• Lease-to-own programs with fast approvals and no traditional credit checks. 

• Buy now, pay later platforms with pre-qualification tools and transparent terms. 

• Retail credit cards provide access to special financing, even for those with average credit.

Designed for customers with good to excellent credit, the Rooms To Go credit card provides access to special financing offers, such as 0% interest on qualifying purchases. This option works well if you're looking to spread payments over time while avoiding interest---just be sure to pay in full before the defined promotional period ends.

For a modern, transparent financing experience, Affirm allows you to split your purchase into monthly payments with clear terms and no hidden fees. You'll see exactly what you owe upfront, and pre-qualification won't impact your credit score. Affirm is a great fit if you're looking for predictable budgeting with options ranging from 3 to 36 months.

Whether you're establishing credit, bouncing back financially, or simply prefer to spread out your payments, Rooms To Go has financing options that support your needs. Explore what works best for your budget - and bring your design vision to life, one room at a time.