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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

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.
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.
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.

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.

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.
My Bob's No Credit Needed Option*
With my No Credit Needed option you can finance or lease to own quality furniture.
*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.