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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 No Credit Needed Option*
Less than perfect credit score? No worries, you can apply online for My Bob's No Credit Needed Option. Note: This can ONLY be used for in-store purchases.
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.
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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.

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 three financing options:

1.30 Months special financing with approved credit on any purchase of $2500 or more.

Special Rate of 9.99% APR with 30 equal monthly payments with a minimum purchase of $2,500***

  • For orders $2500 or over.
  • This option is best for those who wish to pay the purchase balance in full within 30 months.
***The Bob's Discount Furniture credit card is issued by Wells Fargo Bank, N.A. Special terms apply to qualifying purchases of $2500 or more charged with approved credit at participating merchants. The special terms APR of 9.99% will apply to the qualifying purchase, and 30 monthly payments equal to 3.7984% 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 11/01/2020 and is subject to change. For current information, call us at 1-800-431-5921. Offer expires 12/31/2020.

2.12 Months special financing with approved credit on any purchase of $1200 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.**

  • For orders $1200 or over.
  • This option is best for those who wish to pay the purchase balance in full within 12 months.
**The Bob's Discount Furniture credit card is issued by Wells Fargo Bank, N.A. Special terms apply to qualifying purchases of $1200 or more charged with approved credit at participating merchants. 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 11/01/2020 and is subject to change. For current information, call us at 1-800-431-5921.

3.6 Months special financing with approved credit on any purchase of $399 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.*

  • For orders $399 or over.
  • This option is best for those who wish to pay the purchase balance in full within 6 months.
*The Bob's Discount Furniture credit card is issued by Wells Fargo Bank, N.A. Special terms apply to qualifying purchases of $399 or more charged with approved credit at participating merchants. 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 11/01/20 and is subject to change. For current information, call us at 1-800-431-5921.
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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 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.

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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 Card through by 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.

See if you pre-qualify for My Bob's Card without affecting your credit score! See if you pre-qualify for My Bob's Card without affecting your credit score!

My Bob's No Credit Needed Option*

With my No Credit Needed option you can finance or lease to own quality furniture.

  • Easy application process
  • Flexible payment terms available
  • Use immediately for in-store purchases ONLY

*For states eligible with our partners American First Finance and Progressive, approval is not based only on credit score. Program varies by state. 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.


Other Frequently Asked Questions

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 section]

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.