A woman in a yellow sweater using a calculator

At a Glance:

What Does it Mean to Finance Furniture?

How to Decide if Financing Furniture Is Right for You

Financing Options at Liddiard Home Furnishings

3 Furniture Favorites You May Want to Finance

If you want to furnish an entire room or multiple rooms, there are plenty of ways to finance your purchase. Opting for furniture finance is ideal for large purchases that might be out of reach if you had to pay the cost to furnish a home out of pocket. Many of the options allow you to begin enjoying your new furniture right away and pay as you go.

Not familiar with the buy now pay later furniture process? You’re in good hands, because our experts are discussing furniture financing options, including the financing options available at Liddiard Home Furnishings. Keep reading to get a peek at a few of the latest furniture styles you could have in your home with no money down.

What Does it Mean to Finance Furniture?

Financing is a broad term that refers to the process of providing funds for business activities, making purchases, or investing. In the case of furniture financing from the perspective of a customer like you, it refers to the process of securing funds to purchase furniture. When you access financing through a retailer, it is called in-store or in-house financing. Typically, approval for an in-store loan is easier and the entire process is simpler. If you’ve been looking for places to finance furniture, Liddiard Home Furnishings is a great option, and we make it simple with transparent buying plans.

Discover Furniture Deals

Just because your taste for design is big doesn't mean your budget has to be. Explore furniture financing plans today.

Shop Now

When to Finance Furniture

Although financing is intended for larger and more expensive purchases, it’s not limited to these cases exclusively. For example, first-time apartment tenants are strongly advised to explore furniture financing so they can enjoy a fully furnished home while learning to budget finances. If you want to purchase a dining room set or a bedroom set, financing can give you the freedom to furnish a whole room (or several rooms) at once, rather than waiting and buying one piece at a time. Financing can help you execute your dream design plans, and it doesn’t stop at furniture. When you’re ready, you can take the next step and purchase a new mattress and must-have appliances, like a matching laundry pair.

How to Decide if Financing Furniture Is Right for You

One major question you may be asking is, “Can anyone finance furniture?” In short, yes but there are finance options available to everyone from layaway to leasing to credit card purchases. Understanding which plan works for your budget and long-term goals.

In order to decide if financing furniture is right for you, it’s helpful to consider alternatives to financing and compare the available financing options. With all this background information, you can compare the options to decide what is wise, beneficial, and productive for furnishing your home in a way that reflects your family’s unique financial needs and style preferences.

Alternatives to Financing

A graphic of a Synchrony My Home credit card from Liddiard Home Furnishings

In addition to furniture financing stores, there are other ways to save when you are shopping for furniture.

✔ Shop clearance items: Liddiard has an entire Budget & Bargains section devoted to unbeatable deals on special purchases, closeouts, one-of-a-kind pieces, and scratch and dent furniture. Buying a piece with a minor cosmetic flaw or a perfectly good piece of furniture that has been discontinued is a great way to save.

✔ Look for promotions: Liddiard also offers revolving promotions and rebates on major furniture categories throughout the year. We regularly feature money back rebates and furniture promos that come with a free gift with purchase. (This is more common for appliances than for furniture.)

✔ Shop during holiday sales: Look out for great sales for the New Year, President’s Day, Easter, Memorial Day, Independence Day, Labor Day, Black Friday, or Cyber Monday. It’s also a good idea to keep an eye out for seasonal sales as stores make room for the new season’s styles.

✔ Purchase a set: Sometimes, purchasing a set is less expensive than purchasing each piece individually. If purchasing a set provides you enough savings to pay out of pocket, that can be a great option. At Liddiard, we have plenty of options to consider:

Learn More: Tooele Furniture Store: Liddiard Reviews

Financing Options at Liddiard Home Furnishings

A graphic of a gold Liddiard credit card

Liddiard Home Furnishings offers several financing options for buyers working with any kind of budget. We are dedicated to providing convenient and accessible in-store financing so that you can find an option that fits your budget because we want to make stylish and affordable furniture available for everyone.

The AVB Credit Card: This furniture finance option offers you 9.99% APR with 60 monthly payments. You gain access to a revolving line of credit to use for future purchases and exclusive cardholder offers and everyday financing options. To use the AVB credit card, you must make a minimum purchase of $1,499.

The Synchrony Home Credit Card: With the Synchrony Home Credit Card at Liddiard’s, you accrue no interest if you pay off a purchase of $299–$999 within six months. If you pay for a purchase of over $1,000 within 12 months, you’ll also accrue no interest. What a great way to spread your payments out without paying excessive (or any!) interest payments.

Snap Finance: Snap Finance is a lease-to-own financing option that empowers credit-challenged shoppers. The application process is easy, so you can find out in seconds if you’ve been approved. Qualifications include a steady monthly income, an active checking account, and a valid email address and mobile phone number. Snap offers approvals up to $5,000.

6-Months Layaway: Layaway takes the pressure and guesswork out of the furniture buying process. This is a no credit furniture financing option. You pay a 10% non-refundable deposit at the time of purchase, pay the remaining balance in 6 equal monthly payments, and then you get to bring your furniture home!

3 Furniture Favorites You May Want to Finance

A home is not a home without a full suite of furniture that you love to come home and relax on. We carry the latest styles from top brands here at Liddiard’s, and with our furniture finance plans, that means you can enjoy living in a home that suits your design taste with easy monthly payments that are always fashionable. Take a look at some of our hot buys.

Save on a Stylish Sectional: Benchcraft® Maier 2-Piece Charcoal Sleeper Sectional with Chaise

The Benchcraft Maier 2-piece sectional in a contemporary living room

Shop This Benchcraft Sectional

Buying couches on credit is a common way to get the lounging experience you’ve been dreaming of. Plus, a sectional sofa is a great way to maximize seating in a smaller footprint. This 2-piece sectional from the Benchcraft Maier collection features elegant tufting in a soft charcoal fabric with an extended chaise seat to squeeze more ways to relax. You can stretch out on the chaise or transform this sectional into a sleeper sofa when you have guests in town.

Deck Out Your Bedroom: Emerald - 6 Piece Queen Bedroom Set

The Emerald 6-piece bedroom set

Shop This Emerald 6-Piece Bedroom Set

The elegant bedroom set with six pieces features a wooden nightstand, two dressers, and framed mirror alongside a beautiful wooden bed with an upholstered headboard. This set strikes a balance between delicate detail and simplicity. It would be perfect for a farmhouse, coastal, or boho design. This is a great option to consider if you want to take advantage of our AVB credit card line for smaller payments over a 60-month span.

Enjoy Your Entertainment: Legends Home Pacific Heights Melbourne Grey Entertainment Wall

The Legends Home Pacific Heights collection entertainment center

Shop This Entertainment Center

A large piece of furniture like an entertainment center often comes with a high price tag, but financing can make a standout piece like this Legends Home audio and video component center obtainable. This unit is simple and streamlined with a combination of hidden and open storage. There is room for everything, whether you want to hide cords and controllers or display your favorite items. This is perfect for a modern or contemporary living room with its sleek lines, gray color, and metallic legs and base. This is also a great, eligible item for our in-house credit line, as well as our SNAP furniture finance plan.

When it’s time to make a big purchase, many shoppers need to look for financing options. The key is finding one that is the right fit. Financing makes furnishing an entire room or replacing kitchen appliances all at once a possibility. There are great alternatives to financing, like shopping for clearance items and waiting for holiday sales. If you feel like financing is right for you, Liddiard Home Furnishings has four flexible options to help you make your dream home a reality.

FAQs

Can furniture financing build credit?

Absolutely! Financing furniture to build credit comes with twofold benefits: Making on-time payments and having a mix of credit can both increase your credit score.

Should you finance furniture?

This is ultimately a personal decision, and you’ll need to take into account the alternatives to financing and your ability to fulfill a repayment plan. If you need some advice, don’t hesitate to contact us!

Where to finance furniture.

Liddiard Home Furnishings is one of many furniture stores with in store financing. Like other furniture places that finance, Liddiard offers several different financing options so that you can find one to fit your needs. If you’re in Tooele, UT, we’re the premier choice for furniture finance.

How to qualify for furniture financing.

In-house financing typically requires “fair credit,” or a credit score between 580-669. However, some options like Snap Finance and layaway do not emphasize credit score requirements.

Learn More: 6 Mistakes You Don’t Want to Make When You Shop for Furniture

Why Trust Liddiard Home Furnishings?

For over 65 years, Liddiard Home Furnishings has been providing Utah with premium home furnishings. This family-owned business has worked to deliver a better kind of shopping experience to the greater Salt Lake City area. Whether it’s the carefully laid out showroom or the outstanding customer service, when you shop at Liddiard’s, you’ll feel like family. The team at Liddiard has crafted a catalog full of incredible products made by brands with reputations for quality. Shop online or visit our showroom to discover what makes Liddiard Home Furnishings so unique.

Shop Furniture at Liddiard Home Furnishings

For the home furnishings you need, visit Liddiard Home Furnishings in Tooele, UT. You’ll find the best prices when you shop for furniture online. Check out Liddiard reviews, and if you have questions, our friendly product experts are always happy to help you explore furniture finance otions for every room in your home — whether you call us at 435-882-0964 or use our online chat feature. Visit our Tooele showroom today!

Learn More: Shop Local for Furniture: What You Need to Know

Blog

Can Anyone Finance Furniture?