Buying furniture is exciting – whether you’re moving into your first home or refreshing a tired space. But what if your credit history isn’t perfect? You might be wondering if getting furniture on finance is even an option. The good news: it can be possible to get furniture financing with bad credit. The key is understanding your options, the risks, and the small steps you can take to make lenders more likely to say “yes”.
Furniture financing lets you spread the cost of a purchase over time, instead of paying for it all at once. Common types include:
Store finance – paying monthly instalments through the retailer.
Personal loan – borrowing a lump sum to buy what you need.
Credit card – using an existing or new card, sometimes with 0% interest offers.
Whichever option you choose, it usually involves a credit check. That’s where things can feel tricky if you’ve had money problems in the past.
Having a low score or negative marks on your credit report doesn’t always mean you’ll be declined. Some lenders specialise in helping people with less-than-perfect credit histories. But you might:
Be offered a higher interest rate
Have to pay a deposit upfront
Be approved for a lower spending limit
That’s why it helps to check your options before applying. Too many rejected applications can hurt your score further. 👉 You can see your credit score for free with ClearScore.
If you’re thinking about applying for furniture finance, here are a few simple steps that could help: Check your credit report – mistakes happen. If you spot something wrong, you can ask for it to be corrected. Here’s how your credit report works.
Pay down existing debt – even small reductions can make you look more reliable to lenders.
Get on the electoral roll – this makes it easier for lenders to confirm your identity.
Look for pre-approved offers – ClearScore shows you offers where you’re more likely to be accepted.
Affordability first – only borrow if you’re confident you can make the repayments. Furniture is important, but falling behind on payments can damage your score even more.
Compare total costs – don’t just look at the monthly instalment. Check the interest rate (APR) and total you’ll repay.
Consider alternatives – saving up might take longer, but it could work out cheaper in the long run.
It’s possible to get furniture financing bad credit if you know where to look and take steps to prepare. ClearScore can help you understand your credit position, improve it over time, and see the finance options you’re most likely to get. 👉 Check your free ClearScore account and start building towards the home you want, with the furniture you love.