Different borrowers face different obstacles. The right financing path for someone with no credit history is different from the right path for someone rebuilding after a bankruptcy, and different again for someone with a steady military paycheck and a recent move.
Articles below are organized by the borrower situation we wrote them for. If you don’t see your situation here, the Financing Options page is a good general starting point.
Common Borrower Situations
- No credit history — thin or non-existent credit file, common for younger borrowers and recent immigrants
- Rebuilding credit — past delinquencies, paid-off collections, or recent missed payments showing on the report
- Recent repos or charge-offs — a derogatory mark within the last 24 months that’s affecting approval odds
- Bankruptcy discharge — starting fresh after Chapter 7 or with the income room to take on new debt after Chapter 13
- Veterans and active military — specific products, credit union access, and protections under the SCRA and MLA
- Renters and recent movers — building credit without a mortgage on the report
- Self-employed or gig income — income verification and bank-account-based approval
Articles by Audience
- How to Build Credit While Financing Furniture — Step by Step
- What to Do If You Have a Repo on Your Credit and Need Furniture
- No Credit Needed Furniture for Veterans and Military Families
- How to Furnish a Rental Without a Credit Check
- Furnishing a Home After Divorce with No Credit History
- Single Mom’s Guide to Furnishing a Home with No Credit
- Senior Citizens: Furniture Financing with No Credit Check
- How New Immigrants Can Finance Furniture with No US Credit
- Furniture Financing After Bankruptcy — Your Real Options
- Just Moved In? How to Furnish an Apartment with No Credit
Other Resources
- Financing Options — by financing type
- Store and Lender Reviews
- How It Works — the mechanics of bad-credit financing
- Compare Lenders