How to Get Lease To Own Furniture with No Credit


These days, everyone’s feeling the squeeze. Prices are up, wages are down, and the cost of living is getting crazier by the second. Fortunately for homeowners looking to upgrade their sofa or stock their kitchen with some new appliances, there’s a way to do it without robbing a bank first. Lease-to-own financing lets you load your cart with merchandise up to an approved limit and then spread the cost over a pre-agreed number of weeks or months. Once all the payments have been made, the furniture is yours to keep.

The best thing? Many rent-to-own furniture schemes don’t check credit as part of the approval process, making it a great option for people who’ve been denied loans elsewhere due to less than perfect credit. Here are some of the best places where you can get rent-to-own furniture with no credit.

Conn’s HomePlus

Conn’s HomePlus carry a huge amount of stock, all of which can be purchased on a lease-to-own basis using the company’s in-house financing option. A perfect credit history isn’t required for the application, but you will need a regular source of income, an active checking account, and be aged 18 or older. The maximum amount of furniture you can lease on the agreement is $4000.

Ashley Furniture

Whether you need furniture for the bedroom, the living room, the kitchen, or the dining room, Ashley Furniture is a one-stop-shop for all your home furnishing needs. Their vast catalog covers everything from beds and mattresses to accent cabinets and cribs. For customers looking to spread the cost of payment over a longer period, the company offers a lease-to-own financing option without the need for a credit check. To apply, you’ll need an active checking account, a source of income, and be at least 18 years old. If your application is successful, you’ll be able to lease any merchandise up to a cash price of $3000. You can choose to purchase the furniture at any stage during the lease without any early payment penalties being applied.

Snap Finance

Snap Finance provides lease-to-purchase financing that lets you furnish your home with furniture, electronics, and appliances without having to worry about the state of your credit. The company doesn’t run any kind of credit check when you apply, but you’ll need to provide confirmation of a steady source of income. You will also need to be at least 18 or older, have a valid email address or cell phone, and have an active checking account. Applications are made online with Snap. Once you receive approval and your credit limit, you can choose any store that works with Snap to shop.

Elgin Furniture

According to, Elgin Furniture is an excellent option for people with bad or no credit to apply for furniture financing. It offers a vast array of furniture and home appliances, from beds and mattresses to TV stands and office desks, along with personalized finance options (including no down payment, no payment, interest-free options, and in house finance for up to three years) designed to suit a range of different needs. As all of the payments are documented with the credit bureau, it’s a great way to build or restore your credit rating while also equipping your home with the latest styles.


If no deposits, no credit checks, and free delivery sound like your kind of thing, Rent-2-Own could be your kind of company. Their stock is vast, covering living room furniture, dining room furniture, mattress and bed frames, fireplaces, furniture for kids and teens, bedroom furniture, home accessories, and more, all available in a range of styles that veer from classic to contemporary, boho to luxe.

No credit checks are performed when you apply, guaranteeing acceptance regardless of whether you have good credit, bad credit or no credit. Customers can choose from flexible, weekly, bi-weekly, or monthly payment plans to suit their exact needs. There are no hidden fees, no interest rates, and no nasty surprises. Even better, the first 120 days are offered the same as cash. Payments are reported to the credit bureau, making it an excellent option for people looking to build better credit. The one downside? It’s available only to residents of Ohio & Northern Kentucky.


FlexShopper isn’t for everyone. Specifically, it’s not for anyone who lives in Wyoming, Wisconsin, Minnesota, and New Jersey, or who hasn’t passed the age of 18. If you don’t and have, it’s an excellent option for anyone who wants to rent to own but doesn’t have a great credit record.

There are a few eligibility requirements (you’ll need to be 18 years or over, have an active checking account, and a source of income) but providing you satisfy the requirements, you can expect access to over 100,000 products, including gaming, fitness and outdoor equipment, electronics, household appliances, and furniture, along with fast delivery and the option to spread your payments over 52 easy weekly payments. If your application is successful, you’ll be given an approved spending limit that you can either use entirely on one order or spread over multiple orders.

Lease Fair

With a fast application process that doesn’t discriminate against bad credit or no credit, no requirement for security deposits, free nationwide shipping, expert customer service, and a vast range of furniture, appliances, and home accessories, Lease Fair presents an excellent solution for customers who’ve been turned down elsewhere for rent-to-own furniture. All you’ll need to apply is a Social Security number or ITIN, a valid credit card or debit card, a government-issued photo ID, and a minimum age of 18. Flexible, weekly, bi-weekly, or monthly payment plans with payment dates that match your payday can be arranged.


Acima is a financing option that lets you shop across a network of retailers without the need for credit. When you apply, you’ll get an instant decision that, if approved, will give you up to $4000 to spend on furniture, appliances, and electronics across thousands of stores. Throughout the length of the lease, you have the option to make an early payment to cover the cost of the purchase and make significant savings on the overall cost. If at any point you decide you no longer want an item, you can return it with no further obligation.

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