Furniture stores that use Snap Finance


Fortunately, there’s a beacon of hope in the form of Snap Finance, a flexible payment solution that opens the doors to a multitude of furniture stores across the United States.

Whether you’re adorning your living space with Bob’s Discount Furniture or seeking the perfect ensemble at USA Furniture, the realm of furnishing becomes more accessible with Snap Finance.

Join us as we explore the landscape of furniture stores that embrace this innovative financing option, ensuring that your dream décor is within reach, regardless of your credit score.

Furniture stores that use Snap Finance in USA

Here are some furniture stores in the USA where you can use Snap Finance:

  1. Bob’s Discount Furniture: They offer a big selection of discounted furniture, home accents, and mattresses, and most of their stores accept Snap Finance.
  2. USA Furniture: This neighborhood store has a variety of furniture and offers delivery options. Most of their stores accept Snap Finance.
  3. Furniture 4: They offer furniture, bedding, and mattresses, and Snap Finance is accepted in most of their stores.
  4. Brandy Wine Furniture: Specializes in furniture, mattresses, and appliances, and Snap Finance is accepted in most of their stores.
  5. American Freight Furniture and Mattress: They sell discounted furniture, mattresses, and appliances, and Snap Finance is accepted in most of their stores.
  6. Slumberland Furniture: Offers furniture, mattresses, and home décor, and Snap Finance is accepted in select stores.
  7. Rooms To Go: Sells furniture, mattresses, and home décor, and Snap Finance is accepted in select stores.
  8. Ashley Furniture: Offers a variety of furniture, mattresses, and home décor, and Snap Finance is accepted in select stores.
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What credit score do you need to Finance furniture?

To finance furniture, the credit score needed depends on the financing option and other factors:

  1. Store Financing: Requirements vary widely, with some accepting fair credit (around 650), while others require good or excellent credit (720+).
  2. Personal Loan: Typically, good to excellent credit (670+) is needed.
  3. Credit Card: Usually, good to excellent credit (720+) is required for approval, especially for 0% APR financing.
  4. Lease-to-Own or Buy-Now-Pay-Later: These may accept scores below 600 but often come with high fees and interest rates.

Other Factors:

  • Down Payment: A larger down payment can improve approval chances, even with a lower credit score.
  • Income and Debt-to-Income Ratio: Lenders assess your ability to repay, so a stable income and low debt ratio can help.
  • Furniture Store: Some stores may be more flexible, especially for repeat customers.

General Guideline:

  • Excellent Credit (720+): Widest range of options with favorable terms.
  • Good Credit (670-719): Many options available with competitive rates.
  • Fair Credit (620-669): Some options possible with higher interest rates.
  • Poor Credit (580-619): Limited options, often with high fees.
  • Very Poor Credit (below 580): Very few options, may require a co-signer or collateral.

What is the easiest furniture store credit card to get?

If you’re looking to get a furniture store credit card, which one you can get depends a lot on your credit score and how your finances are doing. Here’s a quick rundown:

If your credit score is not great (below 640): You might want to check out the Fingerhut Credit Account. It’s an online store that sells home goods and furniture. They’re known for being more forgiving with credit scores, so if other places turn you down, this could be an option.

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If you have okay credit (640-669): You could try the Synchrony HOME Credit Card. It’s accepted at different furniture stores like Ashley Furniture and Rooms To Go. This card usually needs at least fair credit to get approved. Also, you might consider department store cards from places like JCPenney or Macy’s. They offer their own credit cards that can be used for furniture and might be easier to get if your credit is fair.

If your credit is good (670-719) or better: You have more options. Most furniture stores have their own credit cards with rewards programs geared towards furniture purchases. For example, you could check out the Crate & Barrel Credit Card or the West Elm Credit Card. These usually need good to excellent credit. You could also look into general-purpose rewards cards like the Chase Sapphire Preferred® Card or the Citi Double Cash® Card. They give you rewards for spending money and might be easier to get than some store cards.

Remember, the best card for you depends on your personal situation and what you’re looking for. Always read the terms and conditions carefully before applying for any credit card.

FAQs on Furniture Stores that Use Snap Finance in the USA

How can I find furniture stores that accept Snap Finance? 

 Snap Finance has a store locator on their website: You can also call Snap Finance customer service at 1-877-557-3769 and ask for a list of partner stores in your area.

What are the typical financing terms? 

This can vary depending on the retailer and your creditworthiness. Interest rates typically range from 19.99% to 35.99%. Loan terms can range from 6 to 12 months for lease-to-own and up to 60 months for loans.

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