Buying furniture is no small fee, and due to that most people can’t afford to pay the entire cost up front.

And since everybody needs furniture, when you have bad credit, it can be a challenge to buy what you need. Well don’t let that bad credit spoil your dreams of furnishing your home.

As fortunately there are ways to get access to finance for purchasing furniture even if you have a bad credit record. Here are some options.

You can Lease-to-own.

This type of transaction is great as credit checks are usually not required and it can be a great option for someone with bad credit who needs furniture.

If you need credit for furniture but you have bad credit there’s Rental Plus as part of the Plus Group of companies. It provides a Lease-to-own solution as you can rent brand new furniture and the most state of the art technological appliances of today for your home. All you have to do is rent the furniture you need for 24 or 36 months and the product is yours, only a small nominal amount to pay at the end of the rental term.

Or you can buy at stores that sell used furniture.

Who says second-hand is second best! Check used furniture stores for deals. Even if they don’t offer financing, the discounts may make up the difference and they’re most suitable for those who can’t afford to spend hefty sums on furniture. And there are some popular sources of second hand or used furniture stores.

If you are looking for reliable place to buy second hand furniture there’s Bid or Buy where you can find the best quality items at very reasonable pricing. The nice thing about used furniture is that sometimes you get very high quality furniture items at surprisingly low prices.

Apply for a personal loan to buy the furniture.

If you have bad credit and want to purchase a car, you’re probably going to have a hard time getting approved for a standard loan. Well…

There’s Speed-E Loans for quick loans online same day and with no credit checks. Apply for a loan of up to R1000 to R150 000. Prove that you can pay back on time. Blacklisted people can also apply!