First, how much do you need to purchase your couch?
Why Finance A Couch Online?
When you think about furniture financing, you probably think about applying for store credit at one of the big box furniture stores. This is great if you are not picky about the kind of sofa you buy and if you have perfect credit. If you want to open up your options, there is a better way and it is online financing. Take a look at some of the benefits.
Better Approval Odds
If you have bad credit furniture store financing can be difficult to get. Most stores require good to excellent credit to secure their financing deals. Online lenders are different. Many online lenders can work with poor credit and some even specialize in it.
Shop Any Retailer
If you accept an online loan from one of the lenders in our group, they will deposit cash directly into your bank account. This means that you will be a cash buyer and you can purchase your couch from any furniture store that you like.
It Happens Quickly
It takes just a few minutes of your time to fill out a secure quote form and then get your offer. Compare that to the hours you could spend visiting a retail financing department.
How Do You Get An Offer?
Evidently there are some benefits to taking out a loan online, so how do you go about getting your offer? It is very easy. Here is all that you need to do.
Fill In Your Quote Form
Head to the top of this page or click here to start your quote. Enter how much you expect to need to purchase your couch and then some basic information about yourself and your finances. You will also need to enter the information for the checking account where you want your money sent, so have it handy. You will need both a routing number and an account number.
Submit Your Form For Approval
Once your form is complete, read and agree to the terms and then submit your quote request. If approved for financing, one lender from the loan network will present you with an offer. In order to view the offer, you will then need to be forwarded to the lenders website.
Make A Loan Decision
When you arrive at the lender website, be sure to take your time and thoroughly review the loan offer. Not every loan is a good one and this is especially true if you are looking for bad credit couch financing. If you decide that you like the offer, accept it and have money in your account as soon as the next business day. Don’t like the offer? Simply turn it down and look for another way to finance your couch.
Buying Your Couch
If you chose to accept your financing offer, the next step is shopping for your new couch. This is the fun part but that does not mean that you need to rush into your purchase. Here are a few things that you can do to maximize your money.
Shop Several Furniture Stores
As a cash buyer, you can use your money wherever you like. To take full advantage of this fact, shop as many stores as possible. This will increase the chances of getting the best deal and of securing the best possible sales price.
Wait For A Holiday Sale
Furniture sales can be a great way to save hundreds of dollars on your purchase and they tend to happen at predictable times. You can almost be assured that every major holiday will come with a furniture sale. If you are close to a holiday and can wait, it might be best to do so.
