Bob's flexible financing and no-credit needed options
Bob's offers multiple ways to pay that fit your furniture-buying needs!
Check if you pre-qualifyMy Bob's Card
- No money down
- Convenient monthly payments
- If approved, you can use your revolving credit line immediately
- Quick & easy pre-qualification process that doesn't affect your credit score


Shop confidently with My Bob's Card
Pay off sooner
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.
Read more12 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.
Read moreTake your time
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.
Read more60 Months financing
With approved credit on any purchase of $1,999 or more. Special terms and APR could vary by location, see your local Bob's stores for details. Special Rate of 9.99% APR with 60 equal monthly payments.**^ $1999 minimum purchase required.
Read moreMore ways to pay
My Bob's No Credit Needed Option
- With my No Credit Needed option you can finance or lease-to-own your furniture!
- Easy application process
- Flexible purchase options available
- Use immediately for purchases




Make four interest-free payments with Affirm
When inspiration strikes, say yes with confidence — knowing you'll never pay a penny more than you agree to up front.




Split your purchases into 4 interest-free payments
Shop securely and choose to pay in 4 interest-free payments or pay in full.
- Select Klarna Pay in 4 on the payment step in checkout


More questions about financing and no-credit needed options?
Financing FAQ's* My Bob's Card issued by Wells Fargo Bank, N.A. is our primary financing option. Secondary financing is provided by Fortiva Retail Credit or Vive Financial.
†For States eligible with our partners American First Finance 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. 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.
1 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.
§ CA resident loans made or arranged pursuant to a California Financing Law license