Rent-To-Own for Bedroom Sets

With the increasing popularity of rent-to-own Bedroom Sets, consumers have been provided with more options than ever before. It is possible to make furnishing your residence with the items you want (like a bed) more realistic by taking advantage of this option, even if you have a less-than-perfect credit history. Learn about these important aspects of getting a rent-to-own Bedroom Set below:

  • What Are Rent-To-Own Bedroom Sets?
  • How Does Rent-to-Own Work for Bedroom Sets?
  • What Kinds of Bedroom Sets Can You Lease?
  • Who Offers Rent-to-Own for Bedroom Sets?
  • FAQs About Rent-to-Own Bedroom Sets

What Are Rent-To-Own Bedroom Sets?

Did you know that getting a bedroom set costs between $1,620 to $5,500 for the bed frame, nightstands, and dresser? Due to these hefty price tags, few people are able to afford to access a quality bedroom set.

Rent-to-own terms are rental agreements where stores sell items such as bedroom sets to consumers on an installment basis where the cost of the bedroom set is spread out over an agreed period between the customer and the store.

Rent-to-own is not a new concept. It has been around since the 1960s. Over the years, this method of acquiring appliances and furniture has grown substantially because it appeals to those earning an average living wage, or about $47,000 per year.

cream colored master bedroom with matching furniture

Initially, the product availability offered through lease-to-own terms was limited. But with increasing demand, stores have broadened the items that customers may access on rent-to-own terms.

It’s important to note that rent-to-own terms are not similar to other common installment services like in-store credit and layaway. Rent-to-own is different from the other two plans in the following ways:

  • With rent-to-own, you may be able to obtain any of the notable bedroom furniture brands without paying a cash price or taking credit, or having to make substantial upfront deposits which may cripple your savings.
  • Rent-to-own is great for customers with bad credit scores or recent bankruptcies. This is because having a bad credit score does not automatically disqualify you.

How Does Rent-to-Own Work for Bedroom Sets?

The rent-to-own store will set a price at the beginning of the agreement, and the customer will pay a fee for the opportunity to own the bedroom set in the future. The installments may be monthly or weekly, depending on the agreement. And some rent-to-own stores may offer free same-day delivery.

Rent-to-own stores may offer you a contract with specific terms that you must agree to before you take possession of the product. And rental agreements are often manageable for most consumers with smaller monthly budgets. Unlike layaway, rent-to-own plans don’t need you to make a sizable deposit. Although the merchant may have to run a credit check, having a less-than-perfect credit history won’t automatically ruin your chances of getting approved.

Additionally, many alternative lenders offer options that allow a consumer to reduce the cost of the rental. For example, American First Finance offers contractual terms✝ that you may opt for if you’d like to reduce the cost of the rental agreement. Here’s an example of what your options might look like:

  • Early Buyout Option (EBO) – save on rental fees by paying off your rent-to-own agreement in full early, often within 90 or 101 days, and own the appliance earlier.^
  • Early Purchase Option (EPO) – pay off your rent-to-own agreement after the EBO but before the end of your agreement term.
  • Full payment option – pay for the appliance for the entire term of your rent-to-own agreement.


Rent-to-own bedroom furniture includes a variety of products such as beds, frames, headboards, footboards, dressers, and even full bedroom sets. Whether you need a king bed, queen bed, bunk bed, or twin bed, there are multiple sizes available to fit exactly what your home needs.


Perks of Rent-To-Own

There are many benefits of using rent-to-own to your advantage when obtaining your new bedroom furniture set.

  • Get the bedroom set of your dreams – You don’t have to save and wait for years to get the bedroom set you want. With rent-to-own, you may be able to make manageable installments while enjoying the bedroom set that completes your home. You also don’t have to worry about saving up for a large deposit.
  • Get a bedroom set with less-than-perfect credit – With alternative lenders, you may be able to qualify for a rent-to-own bedroom set with a low credit score. Credit checks may apply, but your credit score may not limit you from accessing a bedroom set.

Popularity of Rent-To-Own for Bedroom Sets

Over the past decade, the driving factors of rent-to-own merchants have been increased urbanization, better GDP, and increased usage of virtual rent-to-own platforms, to name a few.

Life throws us many curveballs. People lose jobs, businesses shut down, and losing income means that more people may find themselves with worse credit scores because of late payments of credit card debts and bank loans.

In order to cope, many people rely on rent-to-own services to live comfortably. And rent-to-own merchants may be the only alternative available to ensure you’re able to get the bedroom sets of your dreams as you work on getting back on your feet.

king size bed with comfy blankets and modern lighting

What Kind of Bedroom Sets Can You Rent-To-Own?

There’s a vast selection of bedroom sets, and rent-to-own agreements may have contractual price requirements regarding a maximum or minimum you’re able to opt into. However, by using a rent-to-own option, you may finally be able to furnish your bedroom the way you have always imagined it while sticking to your budget.

Whether you’re looking for a new king-size bed frame and nightstand, or an entire queen bedroom set, we’re confident you’ll find what you’re looking for.

Features for Available Rent-To-Own Bedroom Sets

We have put together a list of the most common bedroom set items and categorized them according to the type, items included, the prices, and the stores with the best options available:

Type of Bedroom Set: Two-Piece (Nightstand, Bed)

Average Price**: $650

Find a Store*


Type of Bedroom Set: Three-Piece (Nightstand, Bed, Dresser)

Average Price**: $1,100

Find a Store*

Type of Bedroom Set: Four-Piece (Nightstand, Bed, Dresser, Mirror)

Average Price**: $1,850

Find a Store*


Type of Bedroom Set: Five-Piece (Nightstand, Bed, Dresser, Mirror, Chest)

Average Price**: $2,750

Find a Store*

Two-Piece Bedroom Sets

A two-piece bedroom set is typically the most affordable and practical set for homes with a small bedroom. They work well in a guest room and allow you to effortlessly furnish the bedroom, enhancing aesthetics and remaining functional. The two-piece set will also work great if you’re on a tight budget but still need a bed and nightstands.

Three-Piece Bedroom Sets

Three-piece sets are more practical than two-piece sets. They are more of a sweet spot balancing functionality, budget, and aesthetics. With a three-piece bedroom set, you get the bed frame, a nightstand, and a matching dresser. If you have sufficient space, opting for a three-piece bedroom set may create a more balanced feel around the room.

Four-Piece Bedroom Sets

A four-piece bedroom set makes the most use of the space available and maximizes functionality for oversized bedrooms. The set includes the bed frame, dresser, nightstand, and a dressing mirror. The four-piece set is perhaps the most convenient, offering you everything you need to make your bedroom functional and comfortable with plenty of storage space.

The set comes in various designs and colors, so you may find something that blends with the rest of your home.

Apply for a Rent-To-Own Bedroom Set Near You

Having a low credit score can be a nightmare. Finding credit or financing is often difficult and, in most cases, very expensive. With a bad credit score, the interest rates often are high, sometimes making it seem almost impossible to pay off even the most affordable items.

If you have a credit score below 580, it may be challenging to obtain financing. Most financial institutions may not extend credit services to you, and sometimes, even getting a credit card may be a challenge.

What do you do when you can’t get financing, don’t have enough disposable income to pay for things in cash, and don’t have a credit card? Ideally, you might have to settle for used bedroom sets, and it’s hard to know exactly what you want.

With lease-to-own contracts, you don’t need to worry about being turned away because of your bad credit score. You may be able to get the bedroom sets that complete your home while paying manageable installments over an agreed period.

At American First Finance, we help finance lease-to-own agreements to give you the life you have always dreamt of, with no credit needed.✝ We will connect you with the best lease-to-own stores in your location and facilitate the process making it easy for you to acquire the right bedroom set for your home.

At American First Finance, you may be able to get approval for a flexible payment plan even with a bad credit score. The process is fast and easy, and you may be on your way to getting that bedroom set you have always wanted and paying the total amount in time. We may have to run a credit check to ensure you can commit to a payment plan. But having a bad credit score doesn’t necessarily mean that you won’t get approved.

Rent-To-Own Bedroom Set Options in Summary

Rent-to-own provides a practical alternative for customers with a low credit score to afford the things they would otherwise find impossible to afford, including bedroom sets. With rent-to-own deals, you may easily be able to upgrade your furniture and pay the agreed terms.

The language of a rent-to-own contract is easy to read and understand. Under the agreement, you’ll be made aware of the terms within your contract, including early buyout or early purchase options that may offer you the option of reducing the cost of the rental agreement.

mattress store display

Apply for a Rent-To-Own Bedroom Set Online

American First Finance has partnered with numerous merchants across the U.S. to give you access to a variety of goods when applying for rent to own bedroom sets.

In addition, our website makes it easy and convenient for you to apply for leasing. You can use our merchant tool* to locate a store near you and fill out the application online. The application process is quick, and you can sign a contract as soon as you’re approved.

Rent-To-Own Bedroom Set FAQs

If it’s your first time trying out rent-to-own services, this section will answer some of the most common questions we receive.


Q: What Does Rent-To-Own Mean?

A: Rent-to-own is a flexible payment option that enables consumers with bad credit to obtain the perfect products without having to invest a significant amount of money up-front. Those who have low credit scores or have recently emerged from bankruptcy may be able to benefit from this program.


Q: What Credit Score Qualifies for Rent-To-Own?

A: Credit score isn’t generally the only consideration during a lease-to-own application. If you apply with American First Finance, your credit will be checked, although bad credit won’t necessarily lead to a denial.


Q: How Can I Apply for Rent-To-Own Bedroom Sets?

A: You can apply for rent-to-own furniture for your bedroom right here on our website. It is not guaranteed that all applicants will be approved, but having bad credit does not mean you will automatically be denied. Your credit will be checked, but having no or a low credit score doesn’t necessarily disqualify you. First, select your preferred store near you, and you can apply right on our website.


Q: Where Can I Shop for a Rent-To-Own Bedroom Set?

A: Where you can use your payment solution to lease to own bedroom set furniture will depend on the company you choose to sign a contract with. American First Finance has hundreds of partner locations throughout the US for our customers to choose from. If you’d like to apply on our site for a store within our network, start by finding a store near you*. Complete our easy application for a decision in as little as minutes.**