First, how much do you need for your bedroom set?
Online Lending For A Bedroom Set
If you want to finance bedroom furniture, your first thought might be that big furniture store, but this might not always be the best option. Take a look at just a few of the advantages of online financing and then decide for yourself if this is the way to go.
Bad Credit Is Not A Problem
Those furniture store financing offers are great, but if you have bad credit you will probably not qualify. The credit requirements for those offers generally require good to excellent credit, so with a few bumps on your report, you probably will not qualify.
Online lenders are different. There are dozens of different lenders in our group and they all have different requirements. Many of them even specialize in working with consumers who have bad credit. What this boils down to is that if you have been denied before, you may be able to get that approval online.
Buy Your Bedroom Furniture With Cash
Your online lender will pay you directly with cash, they do not work with retailers. The advantage to this is that it makes you a cash buyer.
As a cash buyer, you can purchase your bedroom furniture from any store that you like. Since most furniture stores sell virtually the same furniture, this allows you to shop for the best price. It also allows you to use any excess money to buy whatever you like.
Get Approved In Minutes
Nobody likes filling out a long paper furniture financing application. It takes just a few minutes to fill out an online quote form and you get your answer fast. Even better, you can do it all from the comfort of your own home.
Get Your Loan Offer Quickly
There are obviously a lot of advantages to financing your bedroom set online, so how do you get your offer. It is much easier than you think and certainly easier than financing directly with a single furniture store.
Here is how it all works.
Request A Quote
Head to the top of the page and fill out your secure loan form. The first question you will be asked is how much you want to borrow. Remember, this is a cash loan, so do your best to come up with a proper number. Once you have a number, enter it and some information about yourself. A checking account number and routing number will also be required because this is how your lender will send you the money. Once you are done, check it for accuracy and submit it to the lending group.
Get A Finance Offer
If you are approved for a cash loan that you can use for bedroom set financing, one lender from the group will make an offer. You will then be sent to their company website so that you can securely review the terms of this loan. Take the time and make sure that you understand and agree with all of the loan details before you accept.
Receive Your Money
For those of you who like your offer, you can accept it and have your money as soon as the next day. It will be deposited electronically into your checking account allowing you to immediately purchase your new bedroom set. Should you not like the offer, just turn it down, there is not commitment.
Buying Your New Bedroom Furniture
Once you have your furniture loan, it is time to give some thought to where to buy your furniture. As a cash buyer, you can buy your bedroom set wherever you like, so you should put some thought into it. Here are some things to remember.
Furniture Places Buy From The Same Source
Most furniture stores by from the same wholesale vendors. Even those big chains often buy from these places. What this means is that you might find the exact same bedroom set at multiple places and listed at different prices. To make sure that you score the best deal, shop at least three different stores before making a purchase.
Prices Are Negotiable
The big chains might use their name to skip haggling, but the smaller ones are more than willing to negotiate. Asking for a cash discount of ten to twenty percent is not out of line. Remember, it never hurts to ask.
