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Instead, most use rent-to-own or lease-to-own programs.You’ll usually pay a fee to apply for the program, and depending on the payment schedule you choose, you’ll end up paying something more than the sticker price for the furniture.To find a list of rent to own furniture store programs, check out our articles: Rent to Own Appliances (Or Simply Rent Appliances) at These 12 Stores and 10 Best Rent to Own Furniture Stores (Some Requiring No Credit Check).

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It’s a good idea to have a plan in place to pay off the item before purchasing it so you can avoid missed payments, late fees, interest accrual, and other repayment issues.

We’ve organized this list of buy now, pay later retail stores by what they sell.

The total cost of your “buy now, pay later” plan may be 150% or more of what you would have paid by buying the item outright at its original retail price.

To avoid overpaying on a buy now, pay later purchase, be sure to only buy items you can afford to pay off.

Many buy now, pay later payment plans target people with less-than-perfect credit, and sometimes there’s no credit check required at all.

These can be good opportunities for people who have trouble getting approved for credit but need a credit card to build their credit score.

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We assemble a list of stores that use Progressive Leasing, featuring several furniture stores.

Take a look at The List of Progressive Leasing Stores: Furniture Stores, Jewelry Stores.

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