Furniture loan with medium risk credit

[Anonymous]

Thank you for your feedback and really understand where I'm coming from. Problem is, I've purchased over 4 different new pillows in hopes of fixing my pain as well as also purchasing a nice gel infused memory foam topper for $150 too. While it's somewhat cozy and seemed like it would be the prefect solution, it's still no good because of the mattress it's on top of. Even through the 4", we still manage to roll towards the center where it dips down at. Trust me, your past is far from offensive and I welcome all opinions as I'm at my wits end racking up dr/er visits and getting on/off so many different medications. While you're right about not being sure about what's causing it, idk what else is left to try and I'm really at my wits end with being in constant take my breath away pain.

[Jutz]

What about layaway? I'm a big fan of layaway in the right situation.

[Sneekn4u]

Afincher..I don't know where your located but when my score was rock bottom and way before I started working on mine I went to Conns and walked out with a 52" tv within a hr. Yes I had to put down $300 ($1800 ..included tv, stand and financing) I pay $52 a month and they report to all 3. Yea it may cost me a little extra with financing but out of the deal I got my tv, a good report every month, I'm building history and completed my good mix of credit. Something to think about.

[jandj80]

Suggestions:

Ashley furniture homestores have a "smart rent to own" program. You can get a nice mattress there, and you make a monthly payment. The interest is a little high, but you get it that day, and it reports to credit. It would help you build up credit and get a mattress. They do a credit check, but it is guaranteed approval. You only have to pay one months payment up front. 

If you don't like that option, look at QVC. They have amazing deals on mattresses, and you can do easy pay. Again, you pay monthly and as long as you have a bank debit card (for your checking account, Visa or Mastercard) you can do easy pay. There is no credit check involved. 

Lastly, if you do the "6 months same as cash" at Aarons, there is no interest. You pay the cash price, over 6 months. At the end, you can ask them to report it. I have bought a lot of things that way. As long as you pay the payments in the time allowed, its no more expensive than paying cash the day you buy it. 

Also, if none of the above apply, check local classifieds, craigslist, etc. You would be shocked how many people buy a mattress and hate it, and sell it for a fraction of the cost they paid just to get it out of their house. If your health is your primary concern, do what you have to to get a good bed. Financing a mattress doesn't make it more comfortable. Either way, I hope it will help your pain. Good luck to you!

[hoping2rebuild]

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@XxRaVeNxX wrote:

You can go to Aaron's. It is a rent to own place, with no credit pull. But once you pay it off, they report it to the bureaus.

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When did Aaron's start reporting? I have an account that has 1 more month to pay it off

another positive tradeline would be nice.

[XxRaVeNxX]

They've always reported(I used to work there and had to redirect the calls for people who didn't know who skipped out)

They only report once you've paid off or once you skipped out and didn't return the product. (Google It)

[TrishN]

Aaron's reporting your account when you paid off. In 1 month after you paid off!

[Conswalla]

I'm on my 2nd loan with Progressive Finance. When I moved into my new condo, I had no furniture. Long story. I bought a bed, mattress, box spring, sofa and love seat. I would not recommend using them unless you can do the 90 days same as cash option. I've used that option every time. Rent-a-center and Aarons are just rip-off's in my opinion.