My Bob's Financing & No Credit Needed Options
Bob's Way to Pay gives you several financing and lease-to-own options. Start loving your furniture now!
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My Bob's Financing
One easy pre-qualification process to find the best financing option for you. Pre-qualify for My Bob's Card without affecting your credit score.
My Bob's No Credit Needed Option
Less than perfect score? No worries, you can apply online for My Bob’s No Credit Needed Option. New: now available for online purchases as well as in-store!**
My Bob's Financing
No money down and convenient monthly payment. My Bob's Card is a revolving line of credit provided by our primary and secondary finance partners.
My Bob's Card by Wells Fargo
My Bob's Card issued by Wells Fargo Bank, N.A. is our primary financing option. If approved, you will receive a revolving credit line that you can use immediately.
We provide four financing options:
6 Months special financing with approved credit on any purchase of $249 or more
No Interest if Paid in Full within 6 months. Interest will be charged to your account from the purchase date if the purchase balance is not paid in full within the promotional period. Making the Suggested Monthly Payment each month would pay the purchase amount by the end of the promotional period.##^ $249 minimum purchase required.
The Bob's Discount Furniture credit card is issued by Wells Fargo Bank, N.A. Special terms apply to qualifying purchases of $249 or more charged with approved credit. Minimum monthly payments are required during the promotional (special terms) period. Interest will be charged to your account from the purchase date at the APR for Purchases if the purchase balance is not paid in full within the promotional period. Paying only the minimum monthly payment will not pay off the purchase balance before the end of the promotional period. For new accounts, the APR for Purchases is 28.99%. If you are charged interest in any billing cycle, the minimum interest charge will be $1.00. This information is accurate as of 04/01/2022 and is subject to change. For current information, call us at 1-800-431-5921. Offer expires 12/31/2025.
^Monthly payment is based on purchase price alone excluding taxes and delivery charges. Credit purchases subject to credit approval. Other transactions may affect the monthly payment.
12 Months special financing with approved credit on any purchase of $499 or more
No Interest if Paid in Full within 12 months. Interest will be charged to your account from the purchase date if the purchase balance is not paid in full within the promotional period. Making the Suggested Monthly Payment each month would pay the purchase amount by the end of the promotional period.#^ $499 minimum purchase required.
The Bob's Discount Furniture credit card is issued by Wells Fargo Bank, N.A. Special terms apply to qualifying purchases of $499 or more charged with approved credit. Minimum monthly payments are required during the promotional (special terms) period. Interest will be charged to your account from the purchase date at the APR for Purchases if the purchase balance is not paid in full within the promotional period. Paying only the minimum monthly payment will not pay off the purchase balance before the end of the promotional period. For new accounts, the APR for Purchases is 28.99%. If you are charged interest in any billing cycle, the minimum interest charge will be $1.00. This information is accurate as of 04/01/2022 and is subject to change. For current information, call us at 1-800-431-5921. Offer expires 12/31/2025.
^Monthly payment is based on purchase price alone excluding taxes and delivery charges. Credit purchases subject to credit approval. Other transactions may affect the monthly payment.
30 Months financing with approved credit, with no minimum purchase
Special Rate of 9.99% APR with 30 equal monthly payments.***^
Special terms and APR could vary by location, see your local Bob's stores for details.
***The Bob's Discount Furniture credit card is issued by Wells Fargo Bank, N.A. Special terms apply to qualifying purchases charged with approved credit. The special terms APR of 9.99% will apply to the qualifying purchase, and 30 monthly payments equal to 3.8349% of the original special terms balance are required. The advertised terms are an estimate assuming required monthly payments are made on the payment due date; no other balances are currently carried or will be carried on the account; and no additional charges are or will be added to the account. Because your actual account activity may be different than the assumptions used, or because of rounding, the number of payments or the final payment amount could be different than the advertised terms. The special terms APR will continue to apply until all qualifying purchases are paid in full. The APR for Purchases will apply to certain fees such as a late payment fee or if you use the card for other transactions. For new accounts, the APR for Purchases is 28.99%. If you are charged interest in any billing cycle, the minimum interest charge will be $1.00. This information is accurate as of 04/01/2022 and is subject to change. For current information, call us at 1-800-431-5921. Offer expires 12/31/2025.
^Monthly payment is based on purchase price alone excluding taxes and delivery charges. Credit purchases subject to credit approval. Other transactions may affect the monthly payment.
60 Months financing with approved credit on any purchase of $1,999 or more
Special Rate of 9.99% APR with 60 equal monthly payments**^. $1999 minimum purchase required.
Special terms and APR could vary by location, see your local Bob's stores for details.
**The Bob's Discount Furniture credit card is issued by Wells Fargo Bank, N.A. Special terms apply to qualifying purchases of $1999 or more charged with approved credit. The special terms APR of 9.99% will apply to the qualifying purchase, and 60 monthly payments equal to 2.1378% of the original special terms balance are required. The advertised terms are an estimate assuming required monthly payments are made on the payment due date; no other balances are currently carried or will be carried on the account; and no additional charges are or will be added to the account. Because your actual account activity may be different than the assumptions used, or because of rounding, the number of payments or the final payment amount could be different than the advertised terms. The special terms APR will continue to apply until all qualifying purchases are paid in full. The APR for Purchases will apply to certain fees such as a late payment fee or if you use the card for other transactions. For new accounts, the APR for Purchases is 28.99%. If you are charged interest in any billing cycle, the minimum interest charge will be $1.00. This information is accurate as of 04/01/2022 and is subject to change. For current information, call us at 1-800-431-5921. Offer expires 12/31/2025.
^Monthly payment is based on purchase price alone excluding taxes and delivery charges. Credit purchases subject to credit approval. Other transactions may affect the monthly payment.
My Bob's Card by Fortiva Retail Credit
My Bob's Card through Fortiva Retail Credit is one of our secondary financing options. Upon credit approval, you will receive a revolving credit line that you can use immediately. Special financing programs are available.
My Bob's Card by Vive Financial
My Bob's Card through Vive Financial is one of our secondary financing options. Upon credit approval, you will receive a revolving credit line that you can use immediately. Special financing programs are available.
My Bob's No Credit Needed Option*
With My Bob's No Credit Needed option you can finance or lease to own quality furniture.
- Easy application process
- Flexible purchase options available
- Use immediately for online or in-store purchases**
*For States eligible with our partners American First Finance, Progressive Leasing and Acima Leasing, approval is not based only on credit score. Program varies by state and provider. Click Apply Now to view eligible program in your area. Approval is possible without a FICO® Score, but credit history may be checked. Subject to approval and verification. Progressive Leasing and Acima Leasing obtains information from credit bureaus. Not all applicants are approved. American First Finance is the servicer for loans which are originated by FinWise Bank, a Utah-chartered Bank in Murray, Utah, Member FDIC.
**Online purchases using My Bob’s No Credit Needed option are not currently available in CA, WI, MN, NJ and WY.
Payment options through Affirm are subject to an eligibility check and may not be available everywhere. Options depend on your purchase amount, and a down payment may be required. CA residents: Loans by Affirm Loan Services, LLC are made or arranged pursuant to a California Financing Law license. For licenses and disclosures, see affirm.com/licenses.
Frequently Asked Questions about My Bob’s Financing
Pre-Qualification is a fast and easy way to see if you qualify for one of My Bob's Cards. By submitting just a few pieces of information, you will receive a decision instantly without impacting your credit score.
No. Checking to see if you are pre-qualified is considered a "soft pull" and does not impact your credit score. However, if you are pre-qualified for an account and you decide to move forward with the full credit application, a hard credit inquiry will be performed, which can impact your credit score.
Sometimes this happens, and a little more information could make a difference. Pre-qualification uses limited information to pre-qualify you for credit and lets you know roughly how much you might be able to borrow, using basic credit information. Our lenders will use additional financial information provided in your application and pull your credit report to make a credit decision.
All of your customer information is sent directly to our financial lenders where it is used and protected according to federal privacy laws. To view our full privacy policy, click here.
Special financing gives you the ability to buy now (today) and pay later over time (or make convenient monthly payments). We have several different types of special financing plans available to learn. To learn more about our special financing options, Click here.
My Bob's Card issued by one of our lenders is a revolving credit account that can be used for purchases as long as the account remains open and there is sufficient amount of available credit to cover your purchase. After a purchase is charged to the account your available credit line decreases by the charged amount. As you pay down the balance, your available credit line increases, up to your approved credit limit.
No. There is no down payment required to qualify for special financing.
An account with a $0 balance will remain open for 18 months. After approximately 18 months of inactivity, our lenders may close the account. You may reapply for a new account if your account is closed.
You will receive your My Bob's Card within 7-10 days after the application is approved. You can use your account immediately either online or in-store, by saving the account number that is provided to you upon application approval and using it during checkout.
Unfortunately, the program does not allow us to accept or process your payment. However, you have a few options for submitting payments which are listed on your monthly bill.
Yes, you may pay your outstanding balance in full at any time.
No worries! We have a No Credit Needed Payment Option, which includes lease-to-own options through other providers. click here to learn more.
Frequently Asked Questions about Affirm
You can use Affirm to make a purchase at Bob's store or mybobs.com.
Using Affirm at a store or on mybobs.com:
- Fill your cart, then select Affirm at checkout or ask your Guest Experience Specialist to select Affirm at checkout.
- Enter your mobile number, then select Continue.
- If it's your first time applying, you'll be prompted to create an account.
- Enter the 4-digit verification code texted to your phone.
- See whether you're approved for your purchase.
- You may be asked to make a down payment at the time of purchase.
- Repayment of your Affirm loan (exclusive of any down payment) begins when your item is delivered.
Multiple purchases at the same time:
There are no limits on how many purchases you can have at one time. But if you've recently opened credit accounts, we'll consider that when reviewing your application. We also consider things like your payment history, how much credit you've used, and how long you've had credit.
For more information about Affirm, click here.
Affirm is a financing option to pay for your Bob's purchase over time in 4 interest free payments every two weeks.
Affirm strives to keep you out of unhealthy debt by facilitating fair, transparent credit so you can pay over time for the things you love. With Affirm, you'll never owe more than what you agree to up front. Instead, you'll always get a flexible, transparent, and convenient way to pay over time.
Affirm doesn't charge any fees. That means no late fees, no prepayment fees, no annual fees, and no fees to open or close your account.
Creating an Affirm account, checking your purchasing power, and taking out a Pay-in-4 interest free loan at Bob's will not affect your credit score. At this time, only some Affirm loan types are eligible to be reported to Experian.
These things won't affect your credit score:
- Creating an Affirm account
- Checking your purchasing power
- 4 interest-free payment plans
- Pay now transactions
Notes: For more information on how your loan and payment history will show on your credit report, click here.
If you have questions about how the information Affirm shares is reflected and interpreted on your credit report, contact Experian directly at 1 (888) 397-3742.
Frequently Asked Questions about My Bob’s No Credit Needed Option
Acima, American First Finance & Progressive are alternative ways to shop at Bob's without paying cash or relying on credit. After completing an easy application process, you'll receive an instant approval decision. If approved, you can select the merchandise you want and begin a lease agreement that will allow you to get your merchandise for a low initial payment, then make rental payments until you obtain ownership.
Yes! After your application is approved, you'll receive a Lease-to-Own approval number. At checkout, click the "Pay with Acima" button and follow the steps to review and sign your lease agreement to place your order.
Need help with your lease-to-own order? Shop with an expert here.
You can own your merchandise after making all lease renewal payments. If you're ready sooner, you can purchase early as described in the agreement and save over the total cost of the lease. If you wish to stop making renewal payments before obtaining ownership, you can return your merchandise.
For more information about Bob's return policies, visit our Terms of Sale.
