Easiest Furniture Store Credit Card To Get
Furniture shopping can be an exciting, yet overwhelming experience. Whether you're moving into a new home or just looking to update your current living space, finding the right furniture can be a challenge. And when it comes to paying for that furniture, the options can be just as overwhelming. If you're looking for a way to finance your furniture purchase, a furniture store credit card may be an option worth considering. In this article, we'll explore the easiest furniture store credit cards to get and what you need to know before applying.
What is a furniture store credit card?
A furniture store credit card is a credit card that is offered by a furniture store or a furniture retailer. These credit cards typically come with special financing offers, such as zero percent interest for a certain amount of time, cash back rewards, and discounts on purchases. They can also provide customers with additional benefits such as extended warranties and free delivery.
There are many furniture store credit cards available, but not all of them are easy to get. Some require good credit or a high credit score, which can be a barrier for some shoppers. However, there are some furniture store credit cards that are easier to get, even if you have less-than-perfect credit.
What are the easiest furniture store credit cards to get?
When it comes to finding the easiest furniture store credit card to get, there are a few options to consider. Here are some of the top choices:
Ashley Advantage Card
The Ashley Advantage Card is a store credit card that is offered by Ashley Furniture Homestore. This card offers special financing options, such as zero percent interest for six or twelve months, and can be used at any Ashley Furniture Homestore location. It also comes with other benefits, such as exclusive discounts and promotions.
One of the things that makes the Ashley Advantage Card one of the easiest furniture store credit cards to get is that it has a relatively low credit score requirement. While the exact credit score needed can vary, some applicants have reported being approved with scores in the mid-500s.
Rooms To Go Credit Card
The Rooms To Go Credit Card is another store credit card that can be used to finance furniture purchases. This card offers special financing options, such as zero percent interest for three years or longer, and can be used at any Rooms To Go location. It also comes with other benefits, such as free shipping and exclusive discounts.
Like the Ashley Advantage Card, the Rooms To Go Credit Card has a relatively low credit score requirement. Some applicants have reported being approved with scores in the mid-500s or even lower.
Value City Furniture Credit Card
The Value City Furniture Credit Card is a store credit card that can be used to finance furniture purchases at any Value City Furniture location. This card offers special financing options, such as zero percent interest for six months or longer, and can also be used to earn rewards points on purchases.
While the credit score requirement for the Value City Furniture Credit Card is not publicly disclosed, some applicants have reported being approved with scores in the mid-600s or lower.
What do you need to know before applying for a furniture store credit card?
While the above credit cards may be easier to get than others, it's still important to do your research and understand the terms and conditions before applying. Here are some things to keep in mind:
- Interest rates: While some furniture store credit cards offer zero percent interest for a certain amount of time, be sure to understand what the interest rate will be after that introductory period ends.
- Annual fees: Some furniture store credit cards may come with an annual fee.
- Payment terms: Be sure to understand the payment terms and due dates for the credit card. Late payments can result in fees and damage to your credit score.
- Credit score: While some of these credit cards may be easier to get with lower credit scores, it's still important to understand what your credit score is and how it may impact your chances of approval.
- Benefits: Be sure to understand what benefits come with the credit card, such as rewards points or discounts on purchases, and whether or not they align with your needs and preferences.
Conclusion
If you're looking for a way to finance your furniture purchase, a furniture store credit card may be an option worth considering. While some of these credit cards may be easier to get than others, it's important to do your research and understand the terms and conditions before applying. By taking the time to find the right credit card for your needs and budget, you can make your furniture shopping experience a little bit easier.