how to finance furniture

The Pros and Cons of Financing Furniture: What You Need to Know

We all know that feeling. You walk into a furniture store, and your eyes are instantly drawn to the most beautiful piece of furniture you have ever seen. It's perfect for your home, but it's way outside of your budget. What do you do? You can't just leave the store without it! Well, thanks to financing options, you don't have to.

Furniture financing has several benefits that make it a great option for anyone who needs new furniture but doesn't have the money to pay for it upfront. In this article, we will discuss the pros and cons of financing furniture so that you can make an informed decision about whether or not it is right for you.

Pros of Financing

One of the biggest benefits of financing furniture is that you can get the furniture you want right away. If you have to wait to save up enough money to pay for your furniture outright, it could be months or even years before you are able to buy it. With financing, you can take your new furniture home as soon as you make your purchase.

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Another benefit of financing furniture is that it allows you to spread the cost of your purchase over time. This can make it more affordable for you in the long run, since you will not have to pay for your furniture all at once. You can also often get financing with 0% interest, which means that you will not have to pay any additional money on top of the cost of your furniture.

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This Ladybird Corner Sectional is the perfect sofa to hold your large family who all need a place to sit. Financing will allow you to get it in your home faster, and spread out those payments. The big furniture is often more expensive, but you can even opt for a smaller sofa like the Fluffy 3-piece, which can still hold several people.

Cons of Financing

Of course, financing furniture is not without its drawbacks. One of the biggest drawbacks is that you will likely have to pay more for your furniture in the long run if you finance it. This is because interest will be added to the cost of your purchase over time. However, if you are able to get financing with 0% interest, this will not be an issue.

 credit score for financing

Another drawback of financing furniture is that it can negatively impact your credit score. This is because financing furniture is considered a form of debt. If you miss payments or default on your loan, it will damage your credit score. However, as long as you make your payments on time and in full, financing furniture should not have a significant impact on your credit score.

Financing at Couch Potatoes

At Couch Potatoes, we make financing your furniture easy and straightforward. We offer several financing options so that you can choose the one that is best for you. We also have a team of sales specialists who are always available to answer any questions you may have about our financing options.

Credit Check 

Stop by and sign up in the store, on sign up here on our website.


• Allows special financing opportunities

• You can use your account for repeat purchases

•It's a quick and safe online application

• You will have online account access

We also have several options if you have poor credit or no credit. Check out our website for more details.

We Care About You

It's also important to note, that Couch Potatoes is NOT interested in thrusting you into a debt you won't easily recover from. Our sales specialists are very understanding and transparent about our financing options and will suggest what is best for your situation.

We have sofas in a variety of price ranges. So, if your dream couch looks out of your budget? Well, maybe you haven't seen a more affordable, but equally stylish option like the Rainey sofa, or the Track reversible chaise sofa.

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This is the above-mentioned Track reversible chaise sofa. It's bold and has a simple shape to complement any home's interior. It can also be customized in any of our fabric options. A cool neutral tone? Or, something a little brighter? We can get it done.

Weigh Your Options

Overall, financing furniture has both its pros and cons. It is important to weigh these factors carefully before making a decision about whether or not financing is right for you. If you do decide to finance your furniture, be sure to shop around for the best financing options and to make your payments on time to avoid damaging your credit score.

Couch Potatoes offers several financing options with a variety of benefits that come along with them! Check out our website today to learn more about how we can help you finance the perfect piece of furniture for your home.

We have stores in Central and South Austin, Texas. Come check us out!

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