Ways to obtain furniture without a credit check include renting to own or purchasing from a retail store that has in-house financing options. The ability to make payments with stable employment or verifiable income is the primary requirement to take home furniture in lieu of a credit check.
As credit is not a factor, a new tradeline is not reported to any of the credit bureaus, explains Grand Home Furnishings. Payments are typically made on the basis in which income is received, whether weekly, bi-weekly or monthly. To ensure payments are made, they are often drafted from a personal checking account.