I went into Ashley Furniture and asked about other programs since I was denied. They had a program called Genesis Credit which I was approved. Mine was 12 months interest free and I ordered about $2900 in furniture.It has to be paid off in 12 months or the finane charge kicks in at 29.99%, $243 a month for 12 months, I ws very pleased! They say you can be approved for 6-12 month term of interest free financing.
Make sure you really like the furniture pieces first.
Makes it easier to make payments whether on a normal CC or store CC easier if you really liked it.
About to close on our home and need some new furniture and matresses,which furniture store is most likely to approve with 647-653 credit scores? Also should I apply online ahead of time? We have Ashley furniture,Bobs furniture,Raymour and Flanigan to name a few.
You might try Conn's if you have one near you. Their stock is limited in my opinion though. They are super easy approval. Ashley's has more to choose from and some decent sales. Approval shouldn't be too hard with them. You might try Wayfair online with the SCT but with a new address it might not work. Good luck and enjoy your new home.
I dont know what "type" of furnature you are looking for but Lowes sells some home furnishings. They are Synchrony and not that hard to apply for
You can find a lot of furniture on Overstock. They offer special financing on large purchases as well. The only problem is getting a big enough balance to make buying furniture possible. I got my Overstock six months before I moved, so by the time I was ready to buy furniture I had moved from $500 to $1750. Go around to the furniture stores and find what you like then try to find it or similar styles online. You can find some Ashley Signature furniture on Overstock as well as Amazon and Wayfair.
I had an Ashley cc with a $1500 SL. Card got closed down for inactivity - 14 months. I musta passed that store like 10x a week easy and never went inside. ( ok got this card as part of a Synch marathon where i got approved for 5 cards same day. )