Bob's Flexible Financing & No-Credit Options
Bob's offers multiple ways to pay that fit your furniture-buying needs!
Get a decision in seconds with no impact to your credit score
MyBob's Card1
- No money down
- Convenient monthly payments
- If approved, you can use your revolving credit limit immediately
- Quick & easy prequalification process that doesn't affect your credit score
- No annual fee2
- Zero fraud liability for unauthorized use3
Get a decision in seconds with no impact to your credit score
Shop confidently with MyBob's Card
Pay off sooner
No Interest if Paid in Full within 6 or 12 Months*
On qualifying purchases of $249 or more with the 6-month promotion or $499 or more with the 12-month promotion on your MyBob's Card. Interest will be charged to your account from the purchase date if promotional balance is not paid in full within 6 or 12 months. Minimum monthly payments required.
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30 or 60 Months Special Financing
9.99% APR for 30 or 60 Months**
On qualifying purchases of $1499 or more with 30-month financing or $1999 or more with 60-month financing made with your MyBob's Card. Fixed monthly payments required for 30 or 60 months.
Already a cardholder? Manage your Synchrony account, make payments, and more!
Manage your accountAlready have credit from Wells Fargo?
Transition FAQsMore ways to pay
MyBob's No Credit Options
- With my No Credit Options you can finance or lease-to-own your furniture! Approval requires review of consumer reports
- 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
Questions about financing
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More questions about financing and no-credit needed options?
Financing FAQ's1 My Bob’s Card issued by Synchrony Financial is our primary financing option. Secondary financing is provided by Fortiva Retail Credit.
2 New Accounts as of 5/11/2026: Purchase APR 34.99%. Penalty APR 39.99%. Min Interest Charge $2.
3 Unauthorized use does not include charges by a person to whom you have given authority to use your account or card, and you will be liable for all use by such person.
† "The No Credit Option", means this is not a loan, credit, or financing. It does not mean that no inquiry will be made of credit history. Acima obtains information from consumer reporting agencies in connection with a lease application.
Standard agreement offers 12 months to ownership if you choose to make each lease renewal payment, which may cost more than double the cash price. You are not automatically enrolled in any early purchase options and additional payments will be required to purchase early. To purchase early or cancel call (801) 297-1980 or go to customer.acima.com. Refer to your lease for specific terms and conditions.
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.
Online purchases using MyBob's No Credit option are not currently available in 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