Less Than Perfect Credit? You Can Still Get the Furniture You Need

Picking out new furniture should be fun. New couch, new bed, maybe finally getting that dining table your family actually has room for. It's supposed to feel like a win. But if your credit isn't in great shape, that excitement can fade fast when you realize the usual ways to get the furniture you want aren't really an option.

If you’ve ever tried to buy furniture with credit that is less than perfect and hit a few hurdles, you’re not alone. A lot of people are in the same situation, and the good news is you have multiple paths to get the furniture you need. 

Why Shopping for Furniture Can Feel So Complicated

Furniture is one of those purchases that's kind of unavoidable. You need somewhere to sleep. Somewhere to sit. Somewhere to gather with family. But getting what you need can feel like a hassle when less-than-perfect credit follows you into the checkout process.

A few things that tend to get in the way:

• Store applications that don't go your way
• Waiting around while you need something today

None of that is a great situation, especially when you're talking about stuff you actually need in your home.

Should You Be Able to Get Furniture with Less-Than-Perfect Credit

Yes. Getting furniture when you don’t have the best credit often just means looking beyond the usual options.

Many shoppers facing furniture shopping challenges are turning to lease-to-own instead. With lease-to-own, the focus is less on your credit history and more on helping you get what you need now. Acima Leasing looks at multiple data points when reviewing your application, not just your credit score.

What Is Lease-to-Own Furniture?

Lease-to-own is a way for you to get what you need. You can apply for a lease with Acima Leasing and, if you are approved, Acima Leasing will purchase the items you selected from the retailer and lease them to you through a lease agreement. Acime Leasing will own the items until you either make all of the required renewable lease payments or exercise an early purchase option. If at any time you no longer wish to lease, you may cancel your lease and return the property to Acima Leasing

Here's the basic rundown:

1. Shop for furniture from a participating retailer
2. Apply for a quick decision for a lease amount
3. If approved, sign your lease agreement and complete the transaction
4. Easy lease renewal payments align with your pay schedule
5. If you would like to own the items, you can choose to make all renewal lease payments or exercise an early purchase option.
6. You may cancel your lease at any time without penalty and return the item to Acima Leasing

It's a practical option when the usual routes aren't working in your favor.

Why People with Less-Than-Perfect Credit Like Lease-to-Own

If you're looking for less-than-perfect credit furniture purchase options, lease-to-own has a few things going for it.

You don't have to keep waiting. You can get lease-to-own furniture with less-than-perfect credit now — not after months of saving up or trying to boost your score.

You've got options on where to shop. If you are approved, you can use the lease-to-own option to get the furniture you want with less-than-perfect credit. 

Where Can You Shop for Furniture Using Lease-to-Own?

One of the better parts about lease-to-own is that it doesn't limit where you shop. With Acima Leasing, you can browse thousands of products online or find a local participating store using the Acima Leasing store locator.

Common Questions About Lease-to-Own Options for Furniture

Is lease-to-own the same as financing? 

Nope. Financing typically involves borrowing money and paying it back over time. Lease-to-own is a lease; you're leasing the item from Acima Leasing and you choose to renew your lease with each payment or cancel at any time. You are not borrowing money.

Can I really get furniture with less-than-perfect credit?

Many people use lease-to-own specifically because it's more accessible. Keep in mind that approvals aren't guaranteed, but it's designed to work for a wider range of applicants.

What kinds of furniture are available? 

Sofas, beds, dining sets, home office furniture — there's a solid range available through participating retailers.

A More Flexible Way to Furnish Your Home

Having less-than-perfect credit doesn't mean you have to go without or keep putting things off. Lease-to-own is a potential option to get the furniture you actually need, without waiting on a perfect credit score to cooperate.

Get Started Today

Furnishing your home shouldn't feel impossible just because your credit isn't perfect. If you're ready to get the furniture you need without relying on credit, Acima Leasing offers the alternative lease-to-own option through participating retailers. You can choose pieces that fit your space now instead of putting things off. 

To get started, look for an Acima Leasing partner near you, browse online retailers, or download the Acima app to explore your options.