{"id":759760,"date":"2019-01-10T20:02:27","date_gmt":"2019-01-11T01:02:27","guid":{"rendered":"https:\/\/www.finder.com\/ca\/?p=759760"},"modified":"2026-02-24T04:59:45","modified_gmt":"2026-02-24T09:59:45","slug":"how-to-finance-new-furniture","status":"publish","type":"post","link":"https:\/\/www.finder.com\/ca\/personal-loans\/store-financing\/how-to-finance-new-furniture","title":{"rendered":"6 ways to finance furniture"},"content":{"rendered":"<p>Furnishing a new home can be one of the most expensive aspects of moving. Even replacing a sofa or getting more clothing storage can be costly. Fortunately, there are several options for furniture financing in Canada that make it easier to get the items you want.<\/p><p>You can apply for in-store financing, personal loans, layaway and more. Each has its pros and cons, so compare your options before committing to a financing plan.<\/p><h3 id=\"one\">1. In-store furniture financing<\/h3><p>Many furniture stores offer in-store financing, partnering with a lending company to finance your loan. If approved, you can get a low or zero-interest rate for a set number of months. Some stores that offer online or in-store furniture financing include The Brick, Leon\u2019s, Wayfair, Furniture Depot, Urban Barn and Stoney Creek Furniture.<\/p><div class=\"u-grid\"><div class=\"u-grid__col u-1\/2@s\"><p><strong>Pros<\/strong><\/p><ul class=\"list-4\"><li>Easy to sign up for<\/li><li>Many stores offer financing promotions with low or 0% interest for the first 6 to 24 months<\/li><\/ul><\/div><div class=\"u-grid__col u-1\/2@s\"><h4><strong>What to watch out for<\/strong><\/h4><ul class=\"list-3\"><li>Interest, which often ranges from 20% \u2013 30%, may be deferred during the promotional period. You\u2019re saddled with the full cost if you don\u2019t pay back the loan within the promotional period.<\/li><li>There may be a minimum purchase requirement<\/li><li>You may be charged an admin fee<\/li><li>You may not qualify if you have bad credit<\/li><\/ul><\/div><\/div><article class=\"luna-card luna-card--primary luna-card--border\">\n  <div class=\"luna-card__block\" style=\"padding:0.7em\">\n<span style=\"font-size:0.9em; font-weight: 800; font-style: italic; text-transform: uppercase;\">Must read: <\/span><a href=\"https:\/\/www.finder.com\/ca\/personal-loans\/store-financing\" style=\"text-decoration:underline; font-size:0.9em;\">A-Z list of store financing in Canada (home and electronics)<\/a>\n<\/div>\n<\/article><h3 id=\"two\">2. Personal loans for furniture financing<\/h3><p>A popular alternative to in-store financing, personal loans are offered by banks, credit unions and online lenders. Online lenders have faster turnaround times and easier lending requirements, while banks and credit unions have more competitive interest rates.<\/p><p>Apply for a specific amount and get an offer that includes your interest rate and term length. The best rates and terms are offered to borrowers with strong credit scores and low debt-to-income ratios. Some lenders offer bad credit loans, but you\u2019ll pay high interest rates.<\/p><div class=\"u-grid\"><div class=\"u-grid__col u-1\/2@s\"><h4><strong>Pros<\/strong><\/h4><ul class=\"list-4\"><li>Flexible loan amounts<\/li><li>Get funds as soon as the same business day with an online lender<\/li><\/ul><\/div><div class=\"u-grid__col u-1\/2@s\"><h4><strong>What to watch out for<\/strong><\/h4><ul class=\"list-3\"><li>If you provide collateral, you could lose it if you default on your loan<\/li><li>High interest rates for bad credit<\/li><\/ul><\/div><\/div>\n    \n\n<style>\n#toppicks { overflow-x: auto; }\n.table-expander__content { margin-left: 0.5rem; line-height: normal; }\n.pro-section { line-height: 1.35rem; text-align: left; }\n\n.topPicksF1 .card-topText {\n    font-weight: 800;\n    height: 50px;\n    font-style: italic;\n    align-content: space-around;\n}\n\n.topPicksF1 .zoom:hover {\n    box-shadow: 4px 6px 0 0 #232320;\n}\n\n.topPicksF1 .topPicks__deal {\n    color: #232021;\n    background-color: #F7F6EC;\n}\n\n.container-threepc.threepc-flex::-webkit-scrollbar { display: none; 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background-color: #FFF;\"><\/span>\n                    \n                    \n                    <div class=\" has-padding-bottom-xsmall has-padding-top-small \" style=\"border-radius: 0.2em;\">\n                        <style>\r\n.table--success { width: max-content !important; }\r\n<\/style>\r\n\r\n\r\n<div aria-hidden=\"false\" class=\"rewards--element-container rewards--container sticky-cta \" data-product-id=\"93a41e3b-0889-4fb6-8474-4a164deb7b8a\" data-product-name=\"Loans Canada Personal Loan\" data-niche=\"Personal Loans\" data-provider-name=\"Loans Canada\" data-rewards-campaign-name=\"\">\r\n\r\n\r\n\r\n\r\n\r\n\r\n    \r\n\t\t\t<a class=\"  luna-button luna-button--success  luna-button--fluid  \" style=\"text-wrap: wrap;\" title=\"Go to Loans Canada\" rel=\"sponsored\" target=\"_blank\" href=\"https:\/\/www.finder.com\/redirect\/ca\/personal-loans\/loans-canada-personal-loan-ca-secure.html?nb=1&amp;src_country=ca&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22nb-product%22%2C%22product_id%22%3A%2293a41e3b-0889-4fb6-8474-4a164deb7b8a%22%2C%22product_name%22%3A%22Loans%2BCanada%2BPersonal%2BLoan%22%2C%22offer_id%22%3A%2217711%22%2C%22decorator%22%3A%22GLOBAL.PRODUCT.USFIN_REDIRECT_BUTTON%22%2C%22niche_code%22%3A%22CAFPL%22%2C%22position%22%3A%221%22%2C%22top_picks_lock_order%22%3A%220%22%2C%22post_id%22%3A%22759760%22%2C%22post_path%22%3A%22personal-loans%252Fstore-financing%252Fhow-to-finance-new-furniture%22%2C%22post_country%22%3A%22ca%22%2C%22partial%22%3A%7B%22id%22%3A1730639%2C%22name%22%3A%22threepc%22%2C%22country%22%3A%22us%22%7D%7D\"> \r\n\t\t\t\t\r\n\t\t\t\t\tGo to site\r\n\t\t\t\t\r\n\t\t\t<\/a>\r\n\t\r\n\r\n  \r\n\r\n\r\n\r\n\r\n      \r\n \r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n  \r\n\r\n\r\n\r\n  \r\n \r\n\r\n\r\n\r\n \r\n\r\n  <\/div>\r\n<style>\r\n.hidden-temp {  overflow: visible; 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\/\/ Prevent default link behavior\r\n\r\n            \/\/ Ensure the button exists\r\n            if (sendDataButton) {\r\n                \/\/ Use dataset to get the data attributes\r\n                const nicheData = sendDataButton.dataset.nicheData || ''; \/\/ Fallback to empty string\r\n                const productData = sendDataButton.dataset.productData || ''; \/\/ Fallback to empty string\r\n                const fiUri = sendDataButton.dataset.fiUri || ''; \/\/ Access fiUri in camelCase\r\n                const psUri = sendDataButton.dataset.psUri || ''; \/\/ Access psUri in camelCase\r\n                const psGn = sendDataButton.dataset.psGn || ''; \/\/ Access psGn in camelCase\r\n                const tc = sendDataButton.dataset.tc || ''; \/\/ Access data-tc attribute\r\n\r\n                \/\/ Extract the category from the current URL\r\n                const currentUrl = window.location.href;\r\n                const urlParts = currentUrl.split('\/');\r\n                const category = urlParts.length > 4 ? urlParts[3] : ''; \/\/ Get the category from the URL\r\n\r\n                \/\/ Construct the new URL with query parameters, encoding each value\r\n                const newUrl = `https:\/\/www.finder.com\/about-us\/product-lander-test?niche_data=${encodeURIComponent(nicheData)}&product_data=${encodeURIComponent(productData)}&fi_uri=${encodeURIComponent(fiUri)}&ps_uri=${encodeURIComponent(psUri)}&ps_gn=${encodeURIComponent(psGn)}&category=${encodeURIComponent(category)}&tc=${encodeURIComponent(tc)}`;\r\n                \r\n                \/\/ Perform the redirect with the updated URL\r\n                window.location.href = newUrl;\r\n            }\r\n        }\r\n    });\r\n});\r\n<\/script>\r\n\r\n  \r\n\n                        \n                    <\/div>\n\n                    <div class=\"text-center\"> <\/div>\n\n                    \n                    \n\n                       <div style=\"display: none\">93a41e3b-0889-4fb6-8474-4a164deb7b8a-<\/div>\n\n\n                    \n\n\n\n\n\n                                            <div class=\"cardPros-text  pros-no-blue-lozenge \">\n                            <style>\r\n.list-1 li {\r\noverflow-wrap: break-word;\r\nwhite-space: normal;\r\npadding-bottom: 10px;\r\n}\r\n  \r\n.pro-engine { \r\nmin-height: 100px;\r\nmargin-top: 15px;\r\n}\r\n  \r\n@media (max-width:1001px) { \r\n.pro-section{\r\n\r\n\r\n}\r\n}\r\n  \r\n@media (max-width:1920px) { \r\n.pro-section{\r\n\r\n\r\n}\r\n}\r\n  \r\n.pro-section-2 {\r\n\r\n}\r\n<\/style>\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n<div class=\"pro-section\">\r\n    <ul class=\"list-1 pros-a\" id=\"pros\">\r\n        \r\n            \r\n                 <li>Accepts bad credit borrowers<\/li>\r\n            \r\n         \r\n            \r\n                 <li>Easy online application<\/li>\r\n            \r\n         \r\n            \r\n                 <li>Quotes from multiple lenders<\/li>\r\n            \r\n         \r\n            \r\n                 <li>Access cash within 1-3 business days<\/li>\r\n            \r\n         \r\n    <\/ul>\r\n<\/div>\n                        <\/div>\n                                    <\/div>\n\n                <div style=\"margin-top: 1rem; margin-right: 0.7rem;\">\n                    \n                <\/div>\n            <\/article>\n                                <article class=\"luna-card luna-card--shadow luna-card--stretch mastheadPick-item threepc-flex-item zoom topPicks__card-card\">\n                <div class=\"cardColoured-banner\" style=\"background-color: \" data-nbid=\"7fd7d7fc-e864-45a9-b585-bfadfd222da4\">\n\n                                        \n                    <p class=\"card-topText\" style=\"height:fit-content\">\n                                                    Get Multiple Offers\n                                            <\/p>\n                <\/div>\n\n                                \n                <div class=\"luna-card__block luna-card__topPick\">\n                    <figure style=\"margin: auto;\" class=\"noward\">\n                        <a rel=\"nofollow\" target=\"_blank\" href=\"https:\/\/www.finder.com\/redirect\/ca\/personal-loans\/loanconnect-personal-loan-ca-secure.html?nb=1&amp;src_country=ca&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22nb-product%22%2C%22product_id%22%3A%227fd7d7fc-e864-45a9-b585-bfadfd222da4%22%2C%22product_name%22%3A%22LoanConnect%2BPersonal%2BLoan%22%2C%22offer_id%22%3A%2215388%22%2C%22decorator%22%3A%22GLOBAL.PRODUCT.USFIN_IMAGE%22%2C%22niche_code%22%3A%22CAFPL%22%2C%22position%22%3A%222%22%2C%22top_picks_lock_order%22%3A%220%22%2C%22post_id%22%3A%22759760%22%2C%22post_path%22%3A%22personal-loans%252Fstore-financing%252Fhow-to-finance-new-furniture%22%2C%22post_country%22%3A%22ca%22%2C%22partial%22%3A%7B%22id%22%3A1730639%2C%22name%22%3A%22threepc%22%2C%22country%22%3A%22us%22%7D%7D\" style=\"margin-bottom: 10px;\" title=\"Go to LoanConnect\">\r\n\r\n  \r\n  \r\n\r\n<img decoding=\"async\" src=\"https:\/\/www.finder.com\/niche-builder\/67f6e86b65674.png\" loading=\"lazy\" alt=\"LoanConnect logo\" class=\"luna-image compare-logo no-lazyload \" width=\"450\" height=\"250\" srcset=\"https:\/\/www.finder.com\/niche-builder\/67f6e86b65674.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/67f6e86b65674.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/67f6e86b65674.png?fit=600 600w, https:\/\/www.finder.com\/niche-builder\/67f6e86b65674.png?fit=900 900w, https:\/\/www.finder.com\/niche-builder\/67f6e86b65674.png?fit=1200 1200w, https:\/\/www.finder.com\/niche-builder\/67f6e86b65674.png?fit=1350 1350w\" sizes=\"(max-width: 1350px) 100vw, 1350px\">\r\n<\/a>\n                    <\/figure>\n\n                    \n                    \n                    \n                    \n                                            <span class=\"best-pagePromoted-span\" style=\"display: none; background-color: #FFF;\"><\/span>\n                    \n                    \n                    <div class=\" has-padding-bottom-xsmall has-padding-top-small \" style=\"border-radius: 0.2em;\">\n                        <style>\r\n.table--success { width: max-content !important; }\r\n<\/style>\r\n\r\n\r\n<div aria-hidden=\"false\" class=\"rewards--element-container rewards--container sticky-cta \" data-product-id=\"7fd7d7fc-e864-45a9-b585-bfadfd222da4\" data-product-name=\"LoanConnect Personal Loan\" data-niche=\"Personal Loans\" data-provider-name=\"LoanConnect\" data-rewards-campaign-name=\"\">\r\n\r\n\r\n\r\n\r\n\r\n\r\n    \r\n\t\t\t<a class=\"  luna-button luna-button--success  luna-button--fluid  \" style=\"text-wrap: wrap;\" title=\"Go to LoanConnect\" rel=\"sponsored\" target=\"_blank\" href=\"https:\/\/www.finder.com\/redirect\/ca\/personal-loans\/loanconnect-personal-loan-ca-secure.html?nb=1&amp;src_country=ca&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22nb-product%22%2C%22product_id%22%3A%227fd7d7fc-e864-45a9-b585-bfadfd222da4%22%2C%22product_name%22%3A%22LoanConnect%2BPersonal%2BLoan%22%2C%22offer_id%22%3A%2215388%22%2C%22decorator%22%3A%22GLOBAL.PRODUCT.USFIN_REDIRECT_BUTTON%22%2C%22niche_code%22%3A%22CAFPL%22%2C%22position%22%3A%222%22%2C%22top_picks_lock_order%22%3A%220%22%2C%22post_id%22%3A%22759760%22%2C%22post_path%22%3A%22personal-loans%252Fstore-financing%252Fhow-to-finance-new-furniture%22%2C%22post_country%22%3A%22ca%22%2C%22partial%22%3A%7B%22id%22%3A1730639%2C%22name%22%3A%22threepc%22%2C%22country%22%3A%22us%22%7D%7D\"> \r\n\t\t\t\t\r\n\t\t\t\t\tGo to site\r\n\t\t\t\t\r\n\t\t\t<\/a>\r\n\t\r\n\r\n  \r\n\r\n\r\n\r\n\r\n      \r\n \r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n  \r\n\r\n\r\n\r\n  \r\n \r\n\r\n\r\n\r\n \r\n\r\n  <\/div>\r\n<style>\r\n.hidden-temp {  overflow: visible; }\r\n.back-cover { display:none; width: 100vw; height: 100vh; background-color:rgba(0,0,0,.5); position: fixed !important; z-index: 10; top:0; left: 0; }  \r\n.card-t { position: fixed !important; z-index: 11; text-align: justify; display: flex; justify-content: center; width: 100%; top: 50%; left: 50%;  transform: translate(-50%, -50%); }\r\n.terms-c { color: #0271e1; z-index:3; } \r\n.terms-c:hover { color: #1591fe; cursor: pointer;}\r\n.terms-card-r { border-radius: 14px; }\r\n\r\n\r\n  \r\n@media (max-width:481px)  { \r\n\/* .card-t { position: fixed; width: 80%; text-align: justify;  top: 30vw; left: 5vh; }\r\n .card-t { position: fixed; z-index: 11; text-align: justify;  }*\/\r\n }\r\n<\/style>\r\n  \r\n\r\n  \r\n<script>\r\ndocument.addEventListener(\"DOMContentLoaded\", function() {\r\n    document.addEventListener(\"click\", function(event) {\r\n        const sendDataButton = document.getElementById(\"sendDataButton\");\r\n\r\n        \/\/ Check if the click was on the sendDataButton\r\n        if (event.target && event.target.id === \"sendDataButton\") {\r\n            event.preventDefault(); \/\/ Prevent default link behavior\r\n\r\n            \/\/ Ensure the button exists\r\n            if (sendDataButton) {\r\n                \/\/ Use dataset to get the data attributes\r\n                const nicheData = sendDataButton.dataset.nicheData || ''; \/\/ Fallback to empty string\r\n                const productData = sendDataButton.dataset.productData || ''; \/\/ Fallback to empty string\r\n                const fiUri = sendDataButton.dataset.fiUri || ''; \/\/ Access fiUri in camelCase\r\n                const psUri = sendDataButton.dataset.psUri || ''; \/\/ Access psUri in camelCase\r\n                const psGn = sendDataButton.dataset.psGn || ''; \/\/ Access psGn in camelCase\r\n                const tc = sendDataButton.dataset.tc || ''; \/\/ Access data-tc attribute\r\n\r\n                \/\/ Extract the category from the current URL\r\n                const currentUrl = window.location.href;\r\n                const urlParts = currentUrl.split('\/');\r\n                const category = urlParts.length > 4 ? urlParts[3] : ''; \/\/ Get the category from the URL\r\n\r\n                \/\/ Construct the new URL with query parameters, encoding each value\r\n                const newUrl = `https:\/\/www.finder.com\/about-us\/product-lander-test?niche_data=${encodeURIComponent(nicheData)}&product_data=${encodeURIComponent(productData)}&fi_uri=${encodeURIComponent(fiUri)}&ps_uri=${encodeURIComponent(psUri)}&ps_gn=${encodeURIComponent(psGn)}&category=${encodeURIComponent(category)}&tc=${encodeURIComponent(tc)}`;\r\n                \r\n                \/\/ Perform the redirect with the updated URL\r\n                window.location.href = newUrl;\r\n            }\r\n        }\r\n    });\r\n});\r\n<\/script>\r\n\r\n  \r\n\n                        \n                    <\/div>\n\n                    <div class=\"text-center\"> <\/div>\n\n                    \n                    \n\n                       <div style=\"display: none\">7fd7d7fc-e864-45a9-b585-bfadfd222da4-<\/div>\n\n\n                    \n\n\n\n\n\n                                            <div class=\"cardPros-text  pros-no-blue-lozenge \">\n                            <style>\r\n.list-1 li {\r\noverflow-wrap: break-word;\r\nwhite-space: normal;\r\npadding-bottom: 10px;\r\n}\r\n  \r\n.pro-engine { \r\nmin-height: 100px;\r\nmargin-top: 15px;\r\n}\r\n  \r\n@media (max-width:1001px) { \r\n.pro-section{\r\n\r\n\r\n}\r\n}\r\n  \r\n@media (max-width:1920px) { \r\n.pro-section{\r\n\r\n\r\n}\r\n}\r\n  \r\n.pro-section-2 {\r\n\r\n}\r\n<\/style>\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n<div class=\"pro-section\">\r\n    <ul class=\"list-1 pros-a\" id=\"pros\">\r\n        \r\n            \r\n                 <li>Accepts bad credit borrowers<\/li>\r\n            \r\n         \r\n            \r\n                 <li>Quotes from multiple lenders<\/li>\r\n            \r\n         \r\n            \r\n                 <li>Pre-approval in 5 minutes<\/li>\r\n            \r\n         \r\n            \r\n                 <li>Funds in as little as 24 hours<\/li>\r\n            \r\n         \r\n    <\/ul>\r\n<\/div>\n                        <\/div>\n                                    <\/div>\n\n                <div style=\"margin-top: 1rem; margin-right: 0.7rem;\">\n                    \n                <\/div>\n            <\/article>\n                                <article class=\"luna-card luna-card--shadow luna-card--stretch mastheadPick-item threepc-flex-item zoom topPicks__card-card\">\n                <div class=\"cardColoured-banner\" style=\"background-color: \" data-nbid=\"eaaf66e3-6e5c-4fe3-a7f7-76f5e7410de7\">\n\n                                        \n                    <p class=\"card-topText\" style=\"height:fit-content\">\n                                                    Fast Financing\n                                            <\/p>\n                <\/div>\n\n                                \n                <div class=\"luna-card__block luna-card__topPick\">\n                    <figure style=\"margin: auto;\" class=\"noward\">\n                        <a rel=\"nofollow\" target=\"_blank\" href=\"https:\/\/www.finder.com\/redirect\/ca\/personal-loans\/spring-financial-personal-loan-ca-secure.html?nb=1&amp;src_country=ca&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22nb-product%22%2C%22product_id%22%3A%22eaaf66e3-6e5c-4fe3-a7f7-76f5e7410de7%22%2C%22product_name%22%3A%22Spring%2BFinancial%2BPersonal%2BLoan%22%2C%22offer_id%22%3A%2219898%22%2C%22decorator%22%3A%22GLOBAL.PRODUCT.USFIN_IMAGE%22%2C%22niche_code%22%3A%22CAFPL%22%2C%22position%22%3A%223%22%2C%22top_picks_lock_order%22%3A%220%22%2C%22post_id%22%3A%22759760%22%2C%22post_path%22%3A%22personal-loans%252Fstore-financing%252Fhow-to-finance-new-furniture%22%2C%22post_country%22%3A%22ca%22%2C%22partial%22%3A%7B%22id%22%3A1730639%2C%22name%22%3A%22threepc%22%2C%22country%22%3A%22us%22%7D%7D\" style=\"margin-bottom: 10px;\" title=\"Go to Spring Financial\">\r\n\r\n  \r\n  \r\n\r\n<img decoding=\"async\" src=\"https:\/\/www.finder.com\/niche-builder\/68557d968728e.png\" loading=\"lazy\" alt=\"Spring Financial logo\" class=\"luna-image compare-logo no-lazyload \" width=\"450\" height=\"250\" srcset=\"https:\/\/www.finder.com\/niche-builder\/68557d968728e.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/68557d968728e.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/68557d968728e.png?fit=600 600w, https:\/\/www.finder.com\/niche-builder\/68557d968728e.png?fit=900 900w, https:\/\/www.finder.com\/niche-builder\/68557d968728e.png?fit=1200 1200w, https:\/\/www.finder.com\/niche-builder\/68557d968728e.png?fit=1350 1350w\" sizes=\"(max-width: 1350px) 100vw, 1350px\">\r\n<\/a>\n                    <\/figure>\n\n                    \n                    \n                    \n                    \n                                            <span class=\"best-pagePromoted-span\" style=\"display: none; background-color: #FFF;\"><\/span>\n                    \n                    \n                    <div class=\" has-padding-bottom-xsmall has-padding-top-small \" style=\"border-radius: 0.2em;\">\n                        <style>\r\n.table--success { width: max-content !important; }\r\n<\/style>\r\n\r\n\r\n<div aria-hidden=\"false\" class=\"rewards--element-container rewards--container sticky-cta \" data-product-id=\"eaaf66e3-6e5c-4fe3-a7f7-76f5e7410de7\" data-product-name=\"Spring Financial Personal Loan\" data-niche=\"Personal Loans\" data-provider-name=\"Spring Financial\" data-rewards-campaign-name=\"\">\r\n\r\n\r\n\r\n\r\n\r\n\r\n    \r\n\t\t\t<a class=\"  luna-button luna-button--success  luna-button--fluid  \" style=\"text-wrap: wrap;\" title=\"Go to Spring Financial\" rel=\"sponsored\" target=\"_blank\" href=\"https:\/\/www.finder.com\/redirect\/ca\/personal-loans\/spring-financial-personal-loan-ca-secure.html?nb=1&amp;src_country=ca&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22nb-product%22%2C%22product_id%22%3A%22eaaf66e3-6e5c-4fe3-a7f7-76f5e7410de7%22%2C%22product_name%22%3A%22Spring%2BFinancial%2BPersonal%2BLoan%22%2C%22offer_id%22%3A%2219898%22%2C%22decorator%22%3A%22GLOBAL.PRODUCT.USFIN_REDIRECT_BUTTON%22%2C%22niche_code%22%3A%22CAFPL%22%2C%22position%22%3A%223%22%2C%22top_picks_lock_order%22%3A%220%22%2C%22post_id%22%3A%22759760%22%2C%22post_path%22%3A%22personal-loans%252Fstore-financing%252Fhow-to-finance-new-furniture%22%2C%22post_country%22%3A%22ca%22%2C%22partial%22%3A%7B%22id%22%3A1730639%2C%22name%22%3A%22threepc%22%2C%22country%22%3A%22us%22%7D%7D\"> \r\n\t\t\t\t\r\n\t\t\t\t\tGo to site\r\n\t\t\t\t\r\n\t\t\t<\/a>\r\n\t\r\n\r\n  \r\n\r\n\r\n\r\n\r\n      \r\n \r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n  \r\n\r\n\r\n\r\n  \r\n \r\n\r\n\r\n\r\n \r\n\r\n  <\/div>\r\n<style>\r\n.hidden-temp {  overflow: visible; }\r\n.back-cover { display:none; width: 100vw; height: 100vh; background-color:rgba(0,0,0,.5); position: fixed !important; z-index: 10; top:0; left: 0; }  \r\n.card-t { position: fixed !important; z-index: 11; text-align: justify; display: flex; justify-content: center; width: 100%; top: 50%; left: 50%;  transform: translate(-50%, -50%); }\r\n.terms-c { color: #0271e1; z-index:3; } \r\n.terms-c:hover { color: #1591fe; cursor: pointer;}\r\n.terms-card-r { border-radius: 14px; }\r\n\r\n\r\n  \r\n@media (max-width:481px)  { \r\n\/* .card-t { position: fixed; width: 80%; text-align: justify;  top: 30vw; left: 5vh; }\r\n .card-t { position: fixed; z-index: 11; text-align: justify;  }*\/\r\n }\r\n<\/style>\r\n  \r\n\r\n  \r\n<script>\r\ndocument.addEventListener(\"DOMContentLoaded\", function() {\r\n    document.addEventListener(\"click\", function(event) {\r\n        const sendDataButton = document.getElementById(\"sendDataButton\");\r\n\r\n        \/\/ Check if the click was on the sendDataButton\r\n        if (event.target && event.target.id === \"sendDataButton\") {\r\n            event.preventDefault(); \/\/ Prevent default link behavior\r\n\r\n            \/\/ Ensure the button exists\r\n            if (sendDataButton) {\r\n                \/\/ Use dataset to get the data attributes\r\n                const nicheData = sendDataButton.dataset.nicheData || ''; \/\/ Fallback to empty string\r\n                const productData = sendDataButton.dataset.productData || ''; \/\/ Fallback to empty string\r\n                const fiUri = sendDataButton.dataset.fiUri || ''; \/\/ Access fiUri in camelCase\r\n                const psUri = sendDataButton.dataset.psUri || ''; \/\/ Access psUri in camelCase\r\n                const psGn = sendDataButton.dataset.psGn || ''; \/\/ Access psGn in camelCase\r\n                const tc = sendDataButton.dataset.tc || ''; \/\/ Access data-tc attribute\r\n\r\n                \/\/ Extract the category from the current URL\r\n                const currentUrl = window.location.href;\r\n                const urlParts = currentUrl.split('\/');\r\n                const category = urlParts.length > 4 ? urlParts[3] : ''; \/\/ Get the category from the URL\r\n\r\n                \/\/ Construct the new URL with query parameters, encoding each value\r\n                const newUrl = `https:\/\/www.finder.com\/about-us\/product-lander-test?niche_data=${encodeURIComponent(nicheData)}&product_data=${encodeURIComponent(productData)}&fi_uri=${encodeURIComponent(fiUri)}&ps_uri=${encodeURIComponent(psUri)}&ps_gn=${encodeURIComponent(psGn)}&category=${encodeURIComponent(category)}&tc=${encodeURIComponent(tc)}`;\r\n                \r\n                \/\/ Perform the redirect with the updated URL\r\n                window.location.href = newUrl;\r\n            }\r\n        }\r\n    });\r\n});\r\n<\/script>\r\n\r\n  \r\n\n                        \n                    <\/div>\n\n                    <div class=\"text-center\"> <\/div>\n\n                    \n                    \n\n                       <div style=\"display: none\">eaaf66e3-6e5c-4fe3-a7f7-76f5e7410de7-<\/div>\n\n\n                    \n\n\n\n\n\n                                            <div class=\"cardPros-text  pros-no-blue-lozenge \">\n                            <style>\r\n.list-1 li {\r\noverflow-wrap: break-word;\r\nwhite-space: normal;\r\npadding-bottom: 10px;\r\n}\r\n  \r\n.pro-engine { \r\nmin-height: 100px;\r\nmargin-top: 15px;\r\n}\r\n  \r\n@media (max-width:1001px) { \r\n.pro-section{\r\n\r\n\r\n}\r\n}\r\n  \r\n@media (max-width:1920px) { \r\n.pro-section{\r\n\r\n\r\n}\r\n}\r\n  \r\n.pro-section-2 {\r\n\r\n}\r\n<\/style>\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n<div class=\"pro-section\">\r\n    <ul class=\"list-1 pros-a\" id=\"pros\">\r\n        \r\n            \r\n                 <li>Accepts bad credit borrowers<\/li>\r\n            \r\n         \r\n            \r\n                 <li>Same day funding<\/li>\r\n            \r\n         \r\n            \r\n                 <li>100% online<\/li>\r\n            \r\n         \r\n            \r\n                 <li>No prepayment fees<\/li>\r\n            \r\n         \r\n    <\/ul>\r\n<\/div>\n                        <\/div>\n                                    <\/div>\n\n                <div style=\"margin-top: 1rem; margin-right: 0.7rem;\">\n                    \n                <\/div>\n            <\/article>\n            <\/div>\n\n    \n<h3 id=\"three\">3. Layaway<\/h3><p>Not offered by every furniture retailer, layaway lets you make a deposit on the items you want and have the store set it aside for future pick-up. Make small payments until you\u2019ve paid off the entire balance. Once your furniture is paid for, you can take it home.<\/p><div class=\"u-grid\"><div class=\"u-grid__col u-1\/2@s\"><h4><strong>Pros<\/strong><\/h4><ul class=\"list-4\"><li>Usually interest-free<\/li><li>Customizable payment plans<\/li><\/ul><\/div><div class=\"u-grid__col u-1\/2@s\"><h4><strong>What to watch out for<\/strong><\/h4><ul class=\"list-3\"><li>You may be charged a service fee<\/li><li>Hefty cancellation fees often apply if you change your mind<\/li><li>Can\u2019t take furniture home until it\u2019s paid in full<\/li><li>You can\u2019t take advantage of sales that happen while you\u2019re paying off your furniture<\/li><li>It\u2019s rare for retailers to offer this<\/li><\/ul><\/div><\/div><h3 id=\"four\">4. Credit cards<\/h3><p>Credit cards are useful when you\u2019re making small purchases. Borrow up to your credit limit by paying with your card, and pay zero interest during the grace period \u2014 usually 21 days.<\/p><div class=\"u-grid\"><div class=\"u-grid__col u-1\/2@s\"><h4><strong>Pros<\/strong><\/h4><ul class=\"list-4\"><li>No interest accrues during the grace period (often 21 days)<\/li><li>Consider paying for large purchases with a <a href=\"https:\/\/www.finder.com\/ca\/credit-cards\/low-interest-credit-cards\" rel=\"noopener noreferrer\">low interest credit card<\/a>.<\/li><li>Earn <a href=\"https:\/\/www.finder.com\/ca\/credit-cards\/cash-back-credit-cards\">cash back<\/a> or <a href=\"https:\/\/www.finder.com\/ca\/credit-cards\/rewards-credit-cards\">rewards points<\/a> when you pay with some cards<\/li><\/ul><\/div><div class=\"u-grid__col u-1\/2@s\"><h4><strong>What to watch out for<\/strong><\/h4><ul class=\"list-3\"><li>If the balance isn\u2019t repaid within the grace period, your credit score may be hit and you\u2019ll pay interest.<\/li><li>Your credit score will be hurt if you use more than 30% of your limit<\/li><\/ul><\/div><\/div><div class=\"content tableWithFilters\n        \n        \n         best-cards-table-container\" id=\"comparison-table\" data-section=\"table\">\n    <div class=\"tableWithFilters__tableTop\">\n            <\/div>\n            <div class=\"contentWrapper tableWithFilters__contentWrapper \">\n        <div class=\"tableWithFilters__table content\">\n        <div class=\"js-comparison-calculator comparison-calculator comparison-calculator--paginationNav f1   \" data-category=\"2e954545-e999-47d7-bb35-f5824e4045c0\" data-template=\"comparison\" data-niche=\"CACCF\" data-site=\"CACCF\" data-auto-recalculate=\"true\" data-post-country=\"ca\" data-fieldset=\"Best_CA_Credit_Cards\" data-compare-fieldset=\"compareInfobox\" data-post-id=\"759760\" data-mobile-template=\"\" data-origin=\"straightforward-niche\" data-side-filters=\"false\" data-sort=\"\" data-enable-top-filters=\"false\" data-mobile-data-layout=\"grid\" data-redirect-tracking-params='{\"placement_type\":\"table\",\"site\":\"CACCF\",\"fieldset\":\"Best_CA_Credit_Cards\",\"template\":\"comparison\",\"category_id\":\"2e954545-e999-47d7-bb35-f5824e4045c0\",\"category_name\":\"Best cards - Furniture Financing cards\",\"is_sorted\":0,\"is_filtered\":0,\"cta_render_ts\":1778345281}' data-disable-alternative-products=\"true\" data-force-enable-alternative-products=\"false\" data-niche-default-category=\"\" data-niche-default-path=\"\" data-experiment-flags=\"\"><section class=\"comparison-calculator--container\"><form action=\"\" name=\"compareForm\" method=\"post\" class=\"js-compare-bar\" data-compareinfobox=\"\" data-compare-fieldset=\"compareInfobox\" data-niche=\"CACCF\" data-site=\"CACCF\" data-table-id=\"3714\" data-origin=\"straightforward-niche\" data-record-type=\"product\" data-leadform-modal=\"\" data-redirect-tracking-params='{\"placement_type\":\"table\",\"site\":\"CACCF\",\"fieldset\":\"Best_CA_Credit_Cards\",\"template\":\"comparison\",\"category_id\":\"2e954545-e999-47d7-bb35-f5824e4045c0\",\"category_name\":\"Best cards - Furniture Financing cards\",\"is_sorted\":0,\"is_filtered\":0,\"cta_render_ts\":1778345281}'><div class=\"comparisonHistory__root\"><\/div><table class=\"best-cards-table comparison-table f1-clarity-header has-sidepeek js-paginated-table-sorter paginated-table-sorter    has-combined-column-header  combined-column-header-grid js-calculator-table rewards--container loyalty-rewards--container\" id=\"comparison-table-0000000000\" data-has-sidepeek=\"true\" data-rendered-as=\"best-cards\" data-loadmore=\"true\" data-loadmore-version=\"1\" data-loadmore-id=\"1009\" data-niche=\"caccf\" data-sorted=\"false\" data-sorting=\"\" data-pagination-nav=\"20\" data-pagination-nav-offset=\"0\" data-pagination-nav-next-offset=\"\" data-pagination-nav-prev-offset=\"0\" data-product-count=\"1\" data-manual-sponsored-count=\"\" data-include-inactive=\"false\" data-table-filter-presets=\"de76f3a400e106a1fbe32ec733ea123768f967b0df4a07d3ef7ac95b3e850c68\" data-table-record-type=\"product\" data-table-record-ids='[\"de027525-4f1d-455e-8fdd-81f5b4e1fa92\"]' data-total-data=\"1\" data-enable-top-filters=\"false\" data-total-product-count=\"1\" data-sponsored-placements=\"0\" data-override-table-position-configuration=\"false\"><thead class=\"u-bg--background-secondary u-color--foreground-main\"><tr class=\"grid-column-count-3\"><th data-ajax-table-sorter-column=\"CACCF.PRODUCT.CACCF_BONUS_POINTS_TABLE\" class=\"comparison-table__feature  tablesorter-header tablesorter-headerUnSorted comparison-table__sortable th-combined-column-header\" data-field-targetable=\"\" data-sorter-title=\"welcome_offer\">\n                                                        Welcome Offer\n                                                      <svg class=\"luna-icon comparison-table__sortIcon\"><use href=\"#chevron-up-down\"><\/use><\/svg><svg class=\"comparison-table__sortIcon--asc luna-icon\"><use href=\"#arrow-up\"><\/use><\/svg><svg class=\"comparison-table__sortIcon--desc luna-icon\"><use href=\"#arrow-down\"><\/use><\/svg><\/th><th data-ajax-table-sorter-column=\"CACCF.PRODUCT.CACCF_TABLE_REWARDS_POINT_VALUE\" class=\"comparison-table__feature  tablesorter-header tablesorter-headerUnSorted comparison-table__sortable \" data-field-targetable=\"\" data-sorter-title=\"rewards\">\n                                                        Rewards\n                                                      <svg class=\"luna-icon comparison-table__sortIcon\"><use href=\"#chevron-up-down\"><\/use><\/svg><svg class=\"comparison-table__sortIcon--asc luna-icon\"><use href=\"#arrow-up\"><\/use><\/svg><svg class=\"comparison-table__sortIcon--desc luna-icon\"><use href=\"#arrow-down\"><\/use><\/svg><\/th><th data-ajax-table-sorter-column=\"CACCF.PRODUCT.FEE_ANNUAL\" class=\"comparison-table__feature  tablesorter-header tablesorter-headerUnSorted comparison-table__sortable \" data-field-targetable=\"\" data-sorter-title=\"annual_fee\">\n                                                        Annual Fee\n                                                      <svg class=\"luna-icon comparison-table__sortIcon\"><use href=\"#chevron-up-down\"><\/use><\/svg><svg class=\"comparison-table__sortIcon--asc luna-icon\"><use href=\"#arrow-up\"><\/use><\/svg><svg class=\"comparison-table__sortIcon--desc luna-icon\"><use href=\"#arrow-down\"><\/use><\/svg><\/th><\/tr><\/thead><tbody><style>\n\t.rewards-infobox .deals-banner { display:flex; flex-direction: row; border-radius: 16px; border:1px solid #000; overflow: hidden; }\n\t.rewards-infobox .deals-left { background:linear-gradient(103.63deg, #FFD23B 9.47%, #FFD835 16.17%, #FEDA3D 21.75%, #FEE053 29.57%, #FEEA77 39.61%, #FDF7A9 50.78%, #FDFFC4 56.36%, #FDF8AC 58.59%, #FDEE88 61.94%, #FEE669 65.29%, #FEE052 68.64%, #FEDB41 73.1%, #FED838 77.57%, #FFD835 83.15%, #FFD23B 89.85%); display:flex; flex-direction: column; align-items:center; justify-content:space-between; position: relative; width: 110px; cursor:pointer; }\n\t@media (min-width: 768px) { .rewards-infobox .deals-left { width: 110px; } }\n\t.rewards-infobox .deals-right { background:#1a50ff; color:#fff; padding: 8px; display:flex; flex-direction: column; gap:2px; justify-content:center; flex: 1; }\n\t@media (min-width: 768px) { .rewards-infobox .deals-right { padding: 8px; } }\n\t.rewards-infobox .deals-phone { position: absolute; top: 8px; left: 12px; }\n\t.rewards-infobox .deals-ends { color:#000; font-weight:800; font-size:12px; line-height:12px; padding:6px 10px; font-style: italic; border-radius: 9999px; display:inline-flex; align-items:center; text-transform: uppercase; display: none; }\n\t.rewards-infobox .deals-ends-text { padding-top: 2px; }\n\t.rewards-infobox .deals-header { display:flex; align-items:center; flex-wrap: nowrap; gap:4px; cursor:pointer; }\n\t.rewards-infobox .deals-amount { background:linear-gradient(103.63deg, #FFD23B 9.47%, #FFD835 16.17%, #FEDA3D 21.75%, #FEE053 29.57%, #FEEA77 39.61%, #FDF7A9 50.78%, #FDFFC4 56.36%, #FDF8AC 58.59%, #FDEE88 61.94%, #FEE669 65.29%, #FEE052 68.64%, #FEDB41 73.1%, #FED838 77.57%, #FFD835 83.15%, #FFD23B 89.85%); color:#232320; font-size:32px; line-height:28px; letter-spacing: -0.75px; text-transform: uppercase; padding: 2px 4px 0 2px; border-radius: 4px; font-style: italic; font-weight: bold; font-size: 30px; }\n\t.rewards-infobox .deals-title { color: white; text-transform: uppercase; font-style:italic; font-weight:bold; font-size:16px; flex: 1; }\n\t.rewards-infobox .deals-list { display:flex; flex-direction: column; flex-wrap: wrap; gap:2px; margin: 4px 0 2px; cursor:pointer; }\n\t@media (min-width: 768px) { .rewards-infobox .deals-list { flex-direction: row; row-gap: 4px; column-gap: 20px; } }\n\t.rewards-infobox .deals-step { display:flex; align-items: baseline; gap:4px; }\n\t.rewards-infobox .deals-step-num { background:#FFD23B; color:#000; display:inline-flex; align-items:center; justify-content:center; font-weight:bold; font-style: italic; border-radius:2px; font-size:12px; margin-top:2px; line-height: 12px; padding-top: 2px; min-width: 11px; }\n\t.rewards-infobox .deals-step-text { color:#fff; font-size:12px; line-height:16px; font-weight: bold; }\n\t.rewards-infobox .deals-disclaimer { color:#E8EEFF; font-size:12px; margin-top: 4px; width: fit-content; }\n\t.rewards-infobox .deals-disclaimer a { color:#BFD0FF; text-decoration: underline; font-size: 12px; }\n\t.rewards-infobox .rewards-end-date { font-size: 12px; }\n\t\n\t\t.rewards-infobox .deals-countdown {\n\t\tdisplay: flex;\n\t\talign-items: center;\n\t\tmargin-top: 8px;\n\t\tflex-wrap: wrap;\n\t}\n\n\t.rewards-infobox .deals-countdown__label {\n\t\tcolor: #fff;\n\t\tfont-size: 12px;\n\t\tfont-weight: 800;\n\t\tpadding-right: 6px;\n\t\twhite-space: nowrap;\n\t}\n\n\t.rewards-infobox .deals-countdown__timer {\n\t\tdisplay: flex;\n\t\talign-items: center;\n\t\tgap: 4px;\n\t}\n\n\t.rewards-infobox .deals-countdown__unit {\n\t\tdisplay: inline-flex;\n\t\talign-items: center;\n\t}\n\n\t.rewards-infobox .deals-countdown__value {\n\t\tbackground: #FFD238;\n\t\tcolor: #000;\n\t\tfont-size: 12px;\n\t\tfont-weight: 800;\n\t\ttext-align: center;\n\t\tfont-style: italic;\n\t\tmin-width: 24px;\n\t\tmin-height: 14px;\n\t\tline-height: 100%;\n\t\tletter-spacing: -0.025em;\n\t\tfont-feature-settings: 'tnum' on, 'lnum' on;\n\t\tpadding: 2px;\n\t}\n\n\t.rewards-infobox .deals-countdown__separator {\n\t\tcolor: #fff;\n\t\tfont-size: 16px;\n\t\tfont-weight: 600;\n\t}\n\n\t@media (max-width: 600px) {\n\t\t.rewards-infobox .deals-countdown__value {\n\t\t\tpadding: 2px;\n\t\t}\n\t}\n\n\t\ttd.comparison-table__feature--longtext div.comparison-table__cellWrapper { width: 100%; }\n\n\t\t@media (max-width: 600px) {\n\t\t.reward-col-order-3 { grid-row: 3 !important; }\n\t\t.reward-col-order-4 { grid-row: 4 !important; }\n\t\t.reward-col-order-5 { grid-row: 5 !important; }\n\t\t.reward-col-order-6 { grid-row: 6 !important; }\n\t\t.reward-col-order-7 { grid-row: 7 !important; }\n\t\t.reward-col-order-8 { grid-row: 8 !important; }\n\t\t.reward-col-order-neg-3 { grid-row: -3 !important; }\n\t\t.reward-col-order-neg-4 { grid-row: -4 !important; }\n\t\t.reward-col-order-neg-5 { grid-row: -5 !important; }\n\t\t.reward-col-order-neg-6 { grid-row: -6 !important; }\n\t\t.reward-col-order-neg-7 { grid-row: -7 !important; }\n\t\t.reward-col-order-neg-8 { grid-row: -8 !important; }\n\t}\n<\/style><style>\n  \/* Gold gradient on minimal UX reward rows (desktop only) *\/\n  @media (min-width: 601px) {\n    tr[data-minimal-ux=\"true\"][data-should-show-rewards=\"true\"] {\n      background: linear-gradient(45deg, rgba(255, 210, 59, 0) 76%, rgba(255, 210, 59, 0.5) 100%), #fff;\n      background-repeat: no-repeat;\n      background-size: 50% 50%;\n      background-position: top right;\n    }\n  }\n\n  tr[data-minimal-ux=\"true\"][data-should-show-rewards=\"true\"] > td.comparison-table__cta {\n    gap: 4px;\n    margin-top: 0 !important;\n  }\n\n  \/* Pill wrapper centered in CTA cell (td is display:grid with 3 columns) *\/\n  .rewards-pill-wrapper {\n    z-index: 3;\n    align-self: flex-end;\n    justify-self: flex-end;\n\n    @media (max-width: 600px) {\n      grid-column: 1 \/ -1;\n      text-align: center;\n      justify-self: unset;\n    }\n  }\n\n  \/* &#9472;&#9472; Base pill styles (original compact design) &#9472;&#9472; *\/\n  .rewards-pill {\n    display: inline-flex;\n    align-items: center;\n    gap: 6px;\n    background: linear-gradient(103.63deg, #FFD23B 9.47%, #FFD835 16.17%, #FEDA3D 21.75%, #FEE053 29.57%, #FEEA77 39.61%, #FDF7A9 50.78%, #FDFFC4 56.36%, #FDF8AC 58.59%, #FDEE88 61.94%, #FEE669 65.29%, #FEE052 68.64%, #FEDB41 73.1%, #FED838 77.57%, #FFD835 83.15%, #FFD23B 89.85%);\n    border: 1px solid #E6B40F;\n    border-radius: 4px 20px 20px 20px;\n    padding: 0px 8px 0px 2px;\n    cursor: pointer;\n    position: relative;\n    overflow: visible;\n    transition: filter 0.15s ease;\n    height: 24px;\n    box-sizing: border-box;\n\n    @media (max-width: 600px) {\n      box-shadow: 0 0 24px 0 rgba(255, 210, 59, 0.75);\n    }\n  }\n\n  .rewards-pill__shimmer {\n    position: absolute;\n    top: 0;\n    left: 0;\n    right: 0;\n    width: 100%;\n    height: 100%;\n    border-radius: 4px 20px 20px 20px;\n    overflow: hidden;\n    pointer-events: none;\n  }\n\n  .rewards-pill__shimmer::after {\n    content: '';\n    position: absolute;\n    top: 0;\n    width: 50%;\n    height: 100%;\n    background: linear-gradient(\n      90deg,\n      transparent 0%,\n      rgba(255, 255, 255, 0.5) 50%,\n      transparent 100%\n    );\n    animation: rewards-pill-shimmer 4s infinite;\n  }\n\n  .rewards-pill__icon {\n    z-index: 2;\n    display: flex;\n    align-items: center;\n    flex-shrink: 0;\n    position: relative;\n  }\n\n  .rewards-pill__icon-svg {\n    width: 44px;\n    height: 27.75px;\n    overflow: visible;\n  }\n\n  .rewards-pill__star {\n    position: absolute;\n    z-index: 4;\n    opacity: 0;\n    pointer-events: none;\n    width: 22px;\n    height: 22px;\n    top: 55%;\n    left: 3%;\n    margin-top: -19px;\n    margin-left: -6px;\n    animation: rewards-pill-star-rotate 4s infinite;\n  }\n\n  .rewards-pill__text {\n    font-size: 16px;\n    font-style: italic;\n    font-weight: 900;\n    text-transform: uppercase;\n    letter-spacing: 0px;\n    color: #092673;\n    z-index: 1;\n    line-height: 24px;\n    white-space: nowrap;\n  }\n\n  \/* &#9472;&#9472; New design overrides (data-show-tc=\"true\") &#9472;&#9472; *\/\n  .rewards-pill[data-show-tc=\"true\"] {\n    padding: 0px 10px 0px 4px;\n    border-radius: 4px 32px 32px 32px;\n    height: 38px;\n    align-items: center;\n  }\n\n  .rewards-pill[data-show-tc=\"true\"] .rewards-pill__shimmer {\n    border-radius: 4px 32px 32px 32px;\n  }\n\n  .rewards-pill[data-show-tc=\"true\"] .rewards-pill__icon-svg {\n    width: 68px;\n    height: 48px;\n  }\n\n  .rewards-pill[data-show-tc=\"true\"] .rewards-pill__star {\n    top: 0;\n    left: 0;\n    margin-top: 0;\n    margin-left: 0;\n  }\n\n  .rewards-pill[data-show-tc=\"true\"] .rewards-pill__text {\n    font-family: 'Modern Era', Arial, Helvetica, sans-serif;\n    font-weight: 900;\n    font-style: italic;\n    font-size: 16px;\n    line-height: 18px;\n    letter-spacing: 0;\n    text-align: center;\n    font-variant-numeric: lining-nums tabular-nums;\n    color: #092673;\n    white-space: nowrap;\n    text-transform: none;\n  }\n\n  .rewards-pill__content {\n    display: flex;\n    flex-direction: column;\n    justify-content: center;\n    z-index: 1;\n    height: 100%;\n    padding: 2px 0;\n    box-sizing: border-box;\n  }\n\n  .rewards-pill__tc {\n    font-family: 'Modern Era', Arial, Helvetica, sans-serif;\n    font-weight: 400;\n    font-style: normal;\n    font-size: 10px;\n    line-height: 130%;\n    letter-spacing: 0;\n    text-align: center;\n    font-variant-numeric: lining-nums tabular-nums;\n    text-decoration: underline;\n    text-decoration-style: solid;\n    color: #092673;\n    white-space: nowrap;\n  }\n\n  .rewards-pill__tc:hover {\n    opacity: 0.8;\n  }\n\n  @keyframes rewards-pill-shimmer {\n    0% {\n      transform: translateX(100%);\n    }\n    20% {\n      transform: translateX(-100%);\n    }\n    100% {\n      transform: translateX(-100%);\n    }\n  }\n\n  @keyframes rewards-pill-star-rotate {\n    0% {\n      opacity: 0;\n      transform: rotate(0deg) scale(0);\n    }\n    5% {\n      opacity: 1;\n      transform: rotate(45deg) scale(1);\n    }\n    15% {\n      opacity: 1;\n      transform: rotate(135deg) scale(1);\n    }\n    20% {\n      opacity: 0;\n      transform: rotate(180deg) scale(0);\n    }\n    100% {\n      opacity: 0;\n      transform: rotate(180deg) scale(0);\n    }\n  }\n\n  \/* Rewards Pill Countdown - wrapper layout for countdown + pill *\/\n  .rewards-pill-wrapper:has(.rewards-pill-countdown:not([hidden])) {\n    display: flex;\n    align-items: center;\n\n    @media (min-width: 601px) {\n      flex-direction: row;\n      gap: 10px;\n      margin-bottom: 6px;\n    }\n\n    @media (max-width: 600px) {\n      flex-direction: column;\n      gap: 12px;\n    }\n  }\n\n  .rewards-pill-countdown[hidden] {\n    display: none !important;\n  }\n\n  .rewards-pill-countdown {\n    font-family: 'Modern Era', Arial, sans-serif;\n    font-weight: 800;\n    font-size: 12px;\n    line-height: 100%;\n    letter-spacing: -0.025em;\n    font-variant-numeric: lining-nums tabular-nums;\n    color: #232320;\n    white-space: nowrap;\n    display: flex;\n    align-items: center;\n\n    @media (min-width: 601px) {\n      order: -1;\n    }\n\n    @media (max-width: 600px) {\n      justify-content: center;\n      margin-bottom: 8px;\n    }\n  }\n\n  .rewards-pill-countdown__timer {\n    display: inline;\n  }\n\n  .rewards-pill-countdown__sep {\n    margin: 0 1px;\n  }\n\n<\/style><tr data-product-id=\"de027525-4f1d-455e-8fdd-81f5b4e1fa92\" data-provider-id=\"a27ab6c4-fb8f-4d55-bd26-eeb5240893fa\" data-product-name=\"Scotiabank Value Visa Card\" data-provider-name=\"Scotiabank\" class=\"grid-column-count-3  mobile-column-count-3 mobile-row-count-3  js-comparison-table__row  \"><td class=\"comparison-table__name combined-column-header   f1-clarity-header\"><a href=\"https:\/\/www.finder.com\/ca\/credit-cards\/scotiabank-credit-cards\/scotiabank-value-visa-credit-card\" data-component-id=\"1003\" data-component-version=\"1\"><img decoding=\"async\" border=\"0\" src=\"data:image\/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI5IiBoZWlnaHQ9IjUiIHN0eWxlPSJiYWNrZ3JvdW5kLWNvbG9yOiAjRjVGNkY3OyIvPg==\" data-src=\"https:\/\/www.finder.com\/niche-builder\/68b734d15de01.png\" alt=\"Scotiabank Value Visa Card image\" class=\"lazysizes\" srcset=\"https:\/\/www.finder.com\/niche-builder\/68b734d15de01.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/68b734d15de01.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/68b734d15de01.png?fit=600 600w, https:\/\/www.finder.com\/niche-builder\/68b734d15de01.png?fit=900 900w, https:\/\/www.finder.com\/niche-builder\/68b734d15de01.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\"><\/a><div class=\"finder-score-container\"><\/div><div class=\"product-info_name combined-column-header\"><span class=\"nameLink\"><a href=\"https:\/\/www.finder.com\/ca\/credit-cards\/scotiabank-credit-cards\/scotiabank-value-visa-credit-card\" target=\"_blank\" data-component-id=\"1014\" data-component-version=\"1\">Scotiabank Value Visa Card<\/a><\/span><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                                                rounded-top-left\n                                                                                rounded-bottom-left\n                                                                                                                                            first-row\n                                                                                                                        \" data-sortvalue=\"\" data-column-index=\"1\" data-decorator=\"text,caccf.product.caccf_bonus_points_table\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Welcome Offer\">\n                        0.99% on balance transfers for 9 months<span class=\"table-popover\" rel=\"popover\" data-content=\"Get a 0.99% introductory interest rate on balance transfers for the first 9 months. Plus, pay no annual fee in the first year. &lt;b&gt;Apply by October 31, 2026.&lt;\/b&gt;\" title=\"Welcome Offer\" data-original-title=\"\" tabindex=\"0\"><\/span><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                            border-left\n                                                                                                                                                                                                                                                                                        \" data-sortvalue=\"\" data-column-index=\"2\" data-decorator=\"text,caccf.product.caccf_table_rewards_point_value\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Rewards\">\n                        N\/A <span class=\"table-popover\" rel=\"popover\" data-content=\"Get an on-going low interest rate of 13.99% on eligible purchases.\" title=\"Rewards\" data-original-title=\"\" tabindex=\"0\"><\/span><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                            border-left\n                                                                                rounded-top-right\n                                                                                rounded-bottom-right\n                                                                                                                                                                                                                                                                                                    \" data-sortvalue=\"\" data-column-index=\"3\" data-decorator=\"text,caccf.product.fee_annual\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Annual Fee\">\n                        $0 annual fee for the first year ($29 thereafter)\n                                          <\/div><\/td><td class=\"comparison-table__feature comparison-table__feature--longtext comparison-table__feature--offer sorter-false \" data-sortvalue=\"\"><div class=\"comparison-table__cellWrapper comparison-table__product-offer js-calculator-table-value\" data-heading=\"Default Offer\"><svg class=\"luna-icon\" role=\"img\" aria-label=\"Special offer\"><use href=\"#gift\"><\/use><\/svg><span class=\"offer-content\">\n        Get a 0.99% introductory interest rate on balance transfers for the first 9 months. Plus, pay no annual fee in the first year. <b>Apply by October 31, 2026.<\/b>. T&amp;Cs apply.\n      <\/span><\/div><\/td><td class=\"comparison-table__feature comparison-table__cta coa-data cta-column-count-3 \"><div class=\"comparison-table__cellWrapper\"><a data-component-props='{\"finderScore\":null,\"badges\":[],\"productId\":\"de027525-4f1d-455e-8fdd-81f5b4e1fa92\"}' data-component-id=\"1026\" data-component-version=\"1\" target=\"_blank\" rel=\"sponsored\" href=\"https:\/\/www.finder.com\/redirect\/ca\/credit-cards\/scotiabank-value-visa-credit-card.html?nb=1&amp;src_country=ca&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22table%22%2C%22site%22%3A%22CACCF%22%2C%22fieldset%22%3A%22Best_CA_Credit_Cards%22%2C%22template%22%3A%22comparison%22%2C%22category_id%22%3A%222e954545-e999-47d7-bb35-f5824e4045c0%22%2C%22category_name%22%3A%22Best%2Bcards%2B-%2BFurniture%2BFinancing%2Bcards%22%2C%22is_sorted%22%3A%220%22%2C%22is_filtered%22%3A%220%22%2C%22cta_render_ts%22%3A%221778345281%22%2C%22position%22%3A%221%22%2C%22offer_id%22%3A%2224025%22%2C%22niche_code%22%3A%22CACCF%22%2C%22product_id%22%3A%22de027525-4f1d-455e-8fdd-81f5b4e1fa92%22%2C%22product_name%22%3A%22Scotiabank%2BValue%2BVisa%2BCard%22%2C%22post_id%22%3A%22759760%22%2C%22post_path%22%3A%22personal-loans%252Fstore-financing%252Fhow-to-finance-new-furniture%22%2C%22post_country%22%3A%22ca%22%7D\" class=\"luna-button luna-button--success luna-button--medium has-margin-bottom-xsmall button--cta\" title=\"Go to Scotiabank's site\">Go to site<\/a><a href=\"#\" class=\"comparison-table__more-button\" title=\"Read more about Scotiabank Value Visa Card\" data-component-id=\"1003\" data-component-version=\"1\" data-component-props='{\"finderScore\":null,\"badges\":[],\"productId\":\"de027525-4f1d-455e-8fdd-81f5b4e1fa92\"}' data-custom-event-active=\"true\"><svg class=\"luna-icon\"><use href=\"#info\"><\/use><\/svg><span>View details<\/span><\/a><div class=\"luna-form__selection comparison-table__compareField\"><fieldset><legend class=\"compare-box__legend\">Compare product selection<\/legend><input class=\"luna-checkbox\" type=\"checkbox\" id=\"compare-product-0000000002-de027525-4f1d-455e-8fdd-81f5b4e1fa92\" value=\"de027525-4f1d-455e-8fdd-81f5b4e1fa92\" name=\"productID\" _productname=\"                            Scotiabank Value Visa Card            \" _productimg=\"\/product\/\" data-custom-event-active=\"true\" data-component-id=\"1004\" data-component-version=\"1\" data-component-props='{\"finderScore\":null,\"badges\":[],\"productId\":\"de027525-4f1d-455e-8fdd-81f5b4e1fa92\"}'><label class=\"luna-label\" for=\"compare-product-0000000002-de027525-4f1d-455e-8fdd-81f5b4e1fa92\">Compare<\/label><\/fieldset><\/div><\/div><\/td><td class=\"comparison-table__expander js-comparison-table__expander hide sidepeek-modal-slider\" aria-hidden=\"true\"><div class=\"sidepeek-modal-slider__overlay\"><\/div><div class=\"sidepeek-modal-slider__content\"><div class=\"sidepeek-modal-slider__close-wrapper\"><button type=\"button\" class=\"sidepeek-modal-slider__close js-expander-trigger\" aria-label=\"Close modal\"><svg class=\"luna-icon sidepeek-modal-slider__close-icon\"><use href=\"#x\"><\/use><\/svg><\/button><\/div><div class=\"comparison-table__cellWrapper\"><div class=\"comparison-table__expander--fetching center-over\"><div class=\"relativeloading-pulse__box loading-pulse__box-notext\"><span class=\"loading-pulse loading-pulse--medium loading-pulse--primary\">loading<\/span><\/div><\/div><\/div><\/div><\/td><td class=\"best-card__container\"><div class=\"best-card__content\"><div class=\"why-we-like-it\"><h4 class=\"why-we-like-it__heading\">Why we like it<\/h4><p class=\"why-we-like-it__content\">The Scotiabank Value Visa Card is a no-frills low-interest card that can help you save on Black Friday financing. You can use this card well beyond the holidays for more affordable cash advances and debt consolidation.<\/p><\/div><div class=\"pros-cons\"><button class=\"pros-cons__summary\" type=\"button\" aria-expanded=\"false\" aria-controls=\"pros-cons__de027525-4f1d-455e-8fdd-81f5b4e1fa92\">\n\t\t\tPros &amp; cons\n\t\t\t<svg class=\"luna-icon pros-cons__indicator\" aria-hidden=\"true\"><use href=\"#chevron-down\"><\/use><\/svg><\/button><div class=\"pros-cons__details\" id=\"pros-cons__de027525-4f1d-455e-8fdd-81f5b4e1fa92\"><div><h4 class=\"pros-cons__heading\">Pros<\/h4><ul class=\"pros-cons__list pros-cons__list--pros\"><li class=\"pros-cons__list-item\">\n\t\t\t\t\t\t\t\tLow purchase and cash advance interest rates of 13.99%\n\t\t\t\t\t\t\t<\/li><li class=\"pros-cons__list-item\">\n\t\t\t\t\t\t\t\tYou can transfer other balances to this card and pay an interest rate of 13.99% with a 0.99% introductory interest rate on balance transfers for the first 9 months, and 13.99% thereafter. <b>Offer ends October 31, 2026.<\/b><\/li><\/ul><\/div><div><h4 class=\"pros-cons__heading\">Cons<\/h4><ul class=\"pros-cons__list pros-cons__list--cons\"><li class=\"pros-cons__list-item\">\n\t\t\t\t\t\t\t\tThis card has an annual fee of $29\n\t\t\t\t\t\t\t<\/li><li class=\"pros-cons__list-item\">\n\t\t\t\t\t\t\t\tYou won't earn cash back or rewards.\n\t\t\t\t\t\t\t<\/li><li class=\"pros-cons__list-item\">\n\t\t\t\t\t\t\t\tThis card has a foreign transaction fee of 2.5%\n\t\t\t\t\t\t\t<\/li><\/ul><\/div><\/div><\/div><\/div><\/td><\/tr><script>\n(function () {\n  window.isInfoBoxMutationObserverInitialized ??= false;\n  if (window.isInfoBoxMutationObserverInitialized) return;\n  window.isInfoBoxMutationObserverInitialized = true;\n\n  document.addEventListener(\"DOMContentLoaded\", () => {\n    function getLinkParams(anchor) {\n      const redirectUrl =\n        anchor.getAttribute(\"data-redirect-url\") || anchor.href || \"\";\n\n      try {\n        const url = new URL(redirectUrl);\n        const rawParams = url.searchParams.get(\"redirect_tracking_params\");\n\n        if (!rawParams) return;\n        const decoded = decodeURIComponent(rawParams);\n        const parsed = JSON.parse(decoded);\n        const { offer_id, niche_code, site, product_name, product_id } = parsed;\n\n        return {\n          redirectUrl,\n          offerId: offer_id,\n          niche: niche_code || site,\n          productName: product_name,\n          productId: product_id,\n        };\n      } catch (e) {\n        console.error(\"Failed to parse redirect_tracking_params\", e);\n      }\n    }\n\n    function initCountdownTimer(rewardsProduct, endDateStr) {\n      const countdownEl = rewardsProduct.querySelector(\".deals-countdown\");\n      \n      if (!countdownEl || !endDateStr) return;\n\n      const daysEl = countdownEl.querySelector(\"[data-countdown-days]\");\n      const hoursEl = countdownEl.querySelector(\"[data-countdown-hours]\");\n      const minutesEl = countdownEl.querySelector(\"[data-countdown-minutes]\");\n      const secondsEl = countdownEl.querySelector(\"[data-countdown-seconds]\");\n\n      let countdownInterval;\n\n      const updateCountdown = () => {\n        const now = new Date().getTime();\n        const endTime = new Date(endDateStr).getTime();\n        const distance = endTime - 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independent of infobox\n        const pill = table.querySelector(\n          `tr[data-product-id=\"${productId}\"] .rewards-pill`\n        );\n        if (pill && !pill.dataset.bound) {\n          pill.dataset.bound = \"true\";\n          pill.addEventListener(\"click\", () => {\n            const row = pill.closest(\"tr\");\n            if (!row) return;\n\n            const cta = row.querySelector(\".rewards--cta\");\n            if (!cta) return;\n\n            const linkParams = getLinkParams(cta);\n            if (!linkParams) return;\n\n            const pillModalParams = {\n              productId: linkParams.productId,\n              campaignName: row.getAttribute(\"data-rewards-campaign-name\") || \"\",\n              redirectUrl: linkParams.redirectUrl,\n              productName: linkParams.productName,\n              providerName: row.getAttribute(\"data-provider-name\") || \"\",\n              niche: linkParams.niche,\n              offerId: linkParams.offerId,\n              component: \"infobox\",\n            };\n\n            if (\n              window.rewards &&\n              typeof window.rewards.displayModal === \"function\"\n            ) {\n              window.rewards.displayModal(pillModalParams, false, cta);\n            }\n          });\n        }\n\n        const rewardsProduct = table.querySelector(\n          `div[data-rewards-product-id=\"${productId}\"]:not([data-rewards-banner-attached])`\n        );\n        if (!rewardsProduct) return;\n\n        const endDateStr = rewardsProduct.getAttribute(\"data-end-date\");\n        if (!endDateStr) return;\n\n        \/\/ Format date for Australian locale (dd MMM yyyy)\n        const formattedDate = new Intl.DateTimeFormat(\"en-AU\", {\n          day: \"2-digit\",\n          month: \"short\",\n          year: \"numeric\",\n        }).format(new Date(endDateStr));\n\n        const endDateEl = rewardsProduct.querySelector(\".rewards-end-date\");\n        if (endDateEl && endDateEl.textContent !== formattedDate) {\n          endDateEl.textContent = ` ${formattedDate}`;\n        }\n\n        \/\/ Calculate days remaining\n        const days = Math.ceil((new Date(endDateStr) - new Date()) \/ 86400000);\n\n        \/\/ Show \"Ends Soon\" badge if campaign ends within 7 days\n        if (days <= 7 && days > 0) {\n          const dealsEndsEl = rewardsProduct.querySelector(\".deals-ends\");\n          const dealsPhoneEl = rewardsProduct.querySelector(\".deals-phone\");\n\n          if (dealsEndsEl && dealsEndsEl.style.display !== \"inline-flex\") {\n            dealsEndsEl.style.display = \"inline-flex\";\n          }\n          if (dealsPhoneEl && dealsPhoneEl.style.top !== \"23px\") {\n            dealsPhoneEl.style.top = \"23px\";\n          }\n        }\n\n        \/\/ Initialize countdown timer\n        initCountdownTimer(rewardsProduct, endDateStr);\n\n        const dealsLeftEl = rewardsProduct.querySelector(\".deals-left\");\n        const dealsList = rewardsProduct.querySelector(\".deals-list\");\n        const dealsHeader = rewardsProduct.querySelector(\".deals-header\");\n\n        const handleClick = (triggerEl) => {\n          const row = triggerEl.closest(\"tr\");\n\n          if (!row) return;\n\n          const cta = row.querySelector(\".rewards--cta\");\n\n          if (!cta) return;\n\n          const linkParams = getLinkParams(cta);\n          if (!linkParams) return;\n\n          const { productId, redirectUrl, productName, niche, offerId } = linkParams;\n\n          const modalParams = {\n            productId,\n            campaignName: row.getAttribute(\"data-rewards-campaign-name\") || \"\",\n            redirectUrl,\n            productName,\n            providerName: row.getAttribute(\"data-provider-name\") || \"\",\n            niche,\n            offerId,\n            component: \"infobox\",\n          };\n\n          if (\n            window.rewards &&\n            typeof window.rewards.displayModal === \"function\"\n          ) {\n            window.rewards.displayModal(modalParams, false, cta);\n          }\n        };\n\n        if (dealsLeftEl && !dealsLeftEl.dataset.bound) {\n          dealsLeftEl.dataset.bound = \"true\";\n          dealsLeftEl.addEventListener(\"click\", () => handleClick(dealsLeftEl));\n        }\n\n        if (dealsList && !dealsList.dataset.bound) {\n          dealsList.dataset.bound = \"true\";\n          dealsList.addEventListener(\"click\", () => handleClick(dealsList));\n        }\n\n        if (dealsHeader && !dealsHeader.dataset.bound) {\n          dealsHeader.dataset.bound = \"true\";\n          dealsHeader.addEventListener(\"click\", () => handleClick(dealsHeader));\n        }\n\n        rewardsProduct.dataset.rewardsBannerAttached = \"true\";\n      });\n    };\n\n    const tables = document.querySelectorAll(\n      \"table.rewards--container[data-table-record-ids]\"\n    );\n\n    tables.forEach((table) => {\n      const tableObserver = new MutationObserver(() => {\n        setTimeout(() => initRewards(table), 0);\n      });\n\n      tableObserver.observe(table, {\n        childList: true,\n        subtree: true,\n      });\n\n      initRewards(table);\n    });\n\n    \/\/ Pill countdown timers (minimal UX)\n    function initPillCountdowns() {\n      const countdowns = document.querySelectorAll(\"[data-rewards-pill-countdown]:not([data-pill-countdown-bound])\");\n\n      countdowns.forEach((el) => {\n        el.dataset.pillCountdownBound = \"true\";\n        const endDateStr = el.getAttribute(\"data-end-date\");\n        if (!endDateStr) return;\n\n        const endTime = new Date(endDateStr).getTime();\n        if (Number.isNaN(endTime)) return;\n        const now = new Date().getTime();\n        const distance = endTime - now;\n        const sevenDaysMs = 7 * 24 * 60 * 60 * 1000;\n\n        if (distance <= 0) {\n          const wrapper = el.closest(\".rewards-pill-wrapper\");\n          if (wrapper) wrapper.style.display = \"none\";\n          return;\n        }\n\n        if (distance > sevenDaysMs) {\n          return;\n        }\n\n        el.removeAttribute(\"hidden\");\n\n        const daysEl = el.querySelector(\"[data-pill-countdown-days]\");\n        const hoursEl = el.querySelector(\"[data-pill-countdown-hours]\");\n        const minutesEl = el.querySelector(\"[data-pill-countdown-minutes]\");\n        const secondsEl = el.querySelector(\"[data-pill-countdown-seconds]\");\n\n        let interval;\n        const updatePillCountdown = () => {\n          if (!el.isConnected) {\n            if (interval) clearInterval(interval);\n            return;\n          }\n\n          const remaining = endTime - new Date().getTime();\n\n          if (remaining <= 0) {\n            if (daysEl) daysEl.textContent = \"0d\";\n            if (hoursEl) hoursEl.textContent = \"0h\";\n            if (minutesEl) minutesEl.textContent = \"0m\";\n            if (secondsEl) secondsEl.textContent = \"0s\";\n            if (interval) clearInterval(interval);\n            \/\/ Hide pill wrapper on expiry\n            const wrapper = el.closest(\".rewards-pill-wrapper\");\n            if (wrapper) wrapper.style.display = \"none\";\n            return;\n          }\n\n          const days = Math.floor(remaining \/ (1000 * 60 * 60 * 24));\n          const hours = Math.floor((remaining % (1000 * 60 * 60 * 24)) \/ (1000 * 60 * 60));\n          const minutes = Math.floor((remaining % (1000 * 60 * 60)) \/ (1000 * 60));\n          const seconds = Math.floor((remaining % (1000 * 60)) \/ 1000);\n\n          if (daysEl) daysEl.textContent = days + \"d\";\n          if (hoursEl) hoursEl.textContent = hours + \"h\";\n          if (minutesEl) minutesEl.textContent = minutes + \"m\";\n          if (secondsEl) secondsEl.textContent = seconds + \"s\";\n        };\n\n        updatePillCountdown();\n        interval = setInterval(updatePillCountdown, 1000);\n      });\n    }\n\n    initPillCountdowns();\n\n    const allTables = document.querySelectorAll(\"table\");\n    allTables.forEach((table) => {\n      const observer = new MutationObserver(() => {\n        setTimeout(initPillCountdowns, 0);\n      });\n      observer.observe(table, { childList: true, subtree: true });\n    });\n  });\n})();\n<\/script><\/tbody><\/table><div class=\"comparison-table__loadingIndicator center-over\"><div class=\"relativeloading-pulse__box loading-pulse__box-notext\"><span class=\"loading-pulse loading-pulse--medium loading-pulse--primary\">loading<\/span><\/div><\/div><\/form><\/section><\/div><div id=\"compare-bar-v2\" class=\"compareBarV2__root rewards--container loyalty-rewards--container\" data-niche=\"CACCF\" data-rewards-component=\"compare-products\"><\/div>\n    <\/div>\n<\/div>\n    <\/div>\n<h3 id=\"five\">5. Rent-to-own plans<\/h3><p>Not sure if you\u2019re ready to buy new furniture? Some stores let you rent furniture and return it any time with no fees. However, this can be an expensive option. Renting the furniture may cost you more in the long run.<\/p><div class=\"u-grid\"><div class=\"u-grid__col u-1\/2@s\"><h4><strong>Pros<\/strong><\/h4><ul class=\"list-4\"><li>Doesn\u2019t usually require a credit check<\/li><li>Good if you only need furniture for a limited time (you\u2019re hosting a party or having guests live with you for a few months)<\/li><\/ul><\/div><div class=\"u-grid__col u-1\/2@s\"><h4><strong>What to watch out for<\/strong><\/h4><ul class=\"list-3\"><li>If you rent for a long time, you could pay more than the furniture is worth<\/li><li>Some stores charge a large, final payment if you want to buy when the rental period is up<\/li><\/ul><\/div><\/div><h3 id=\"six\">6. Home equity loans and home equity lines of credit (HELOCs)<\/h3><p>Home owners can borrow using their home as collateral. If you do this instead if getting an unsecured personal loan, lenders will likely offer more favourable rates and terms. A home equity loancomes in fixed amounts. A HELOC lets you borrow as much as you want up to a limit.<\/p><div class=\"u-grid\"><div class=\"u-grid__col u-1\/2@s\"><p><strong>Pros<\/strong><\/p><ul class=\"list-4\"><li>Affordable financing option for borrowers with poor credit<\/li><li>Get competitive rates using your home as collateral<\/li><\/ul><\/div><div class=\"u-grid__col u-1\/2@s\"><p><strong>What to watch out for<\/strong><\/p><ul class=\"list-3\"><li>New home owners may not have enough equity built up to borrow against their homes\u2019 value<\/li><li>Risk of losing your home if you can\u2019t repay the loan<\/li><\/ul><\/div><\/div><h3>How do you get furniture financing in Canada with bad credit?<\/h3><p>If you have bad credit and need furniture financing in Canada, personal loans from online lenders are an option worth considering. Some online lenders specialize in bad credit loans, although you\u2019ll pay high interest rates since lenders are taking on more risk.<\/p><p>Usually, you can fill out an application and find out if you\u2019re preapproved for a personal loan within minutes.<\/p><article class=\"luna-card luna-card--primary luna-card--border\">\n  <div class=\"luna-card__block\" style=\"padding:0.7em\">\n<span style=\"font-size:0.9em; font-weight: 800; font-style: italic; text-transform: uppercase;\">Dive deeper: <\/span><a href=\"https:\/\/www.finder.com\/ca\/personal-loans\/bad-credit-personal-loans\" style=\"text-decoration:underline; font-size:0.9em;\">Best bad credit loans in Canada<\/a>\n<\/div>\n<\/article><h3><a id=\"howmuch\"><\/a>How much does new furniture cost?<\/h3><p>Knowing how much furniture may cost can help you decide on the right furniture financing option for you. The cost depends on the type and quality of furniture that you want. While you can get a dining room set for as little as $100 at IKEA and similar stores, you can easily spend 20 times that amount at a high-end retailer. Here are some common prices for various pieces of furniture from Wayfair Canada.<\/p><ul class=\"luna-accordionGroup accordionGroup\"><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000000\" data-toggle=\"collapse\" data-target=\"#accordion0000000000\">\n        <span class=\"luna-accordion__title\">Living room<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000000\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><table class=\"luna-table luna-table--responsiveList\"><thead class=\"luna-table__header\"><tr><th style=\"width: 50%;\">Item<\/th><th style=\"width: 50%;\">Typical cost<\/th><\/tr><\/thead><tbody class=\"luna-table__body\"><tr><td><strong>Sofa<\/strong><\/td><td>$200\u2013$12,000<\/td><\/tr><tr><td><strong>Rug<\/strong><\/td><td>$40\u2013$600<\/td><\/tr><tr><td><strong>Coffee and end tables<\/strong><\/td><td>$50\u2013$12,000<\/td><\/tr><tr><td><strong>Curtains<\/strong><\/td><td>$16\u2013$2,750<\/td><\/tr><\/tbody><\/table><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000001\" data-toggle=\"collapse\" data-target=\"#accordion0000000001\">\n        <span class=\"luna-accordion__title\">Dining room and kitchen<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000001\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><table class=\"luna-table luna-table--responsiveList\"><thead class=\"luna-table__header\"><tr><th style=\"width: 50%;\">Item<\/th><th style=\"width: 50%;\">Typical cost<\/th><\/tr><\/thead><tbody class=\"luna-table__body\"><tr><td><strong>Dining set<\/strong><\/td><td>$290\u2013$25,000<\/td><\/tr><tr><td><strong>Pots and pans<\/strong><\/td><td>$20\u2013$1,000<\/td><\/tr><tr><td><strong>Shelves<\/strong><\/td><td>$20\u2013$1,000<\/td><\/tr><\/tbody><\/table><h4>Bathroom<\/h4><table class=\"luna-table luna-table--responsiveList\"><thead class=\"luna-table__header\"><tr><th style=\"width: 50%;\">Item<\/th><th style=\"width: 50%;\">Typical cost<\/th><\/tr><\/thead><tbody class=\"luna-table__body\"><tr><td><strong>Shower curtain<\/strong><\/td><td>$35\u2013$550<\/td><\/tr><tr><td><strong>Storage<\/strong><\/td><td>$40\u2013$1,250<\/td><\/tr><\/tbody><\/table><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000002\" data-toggle=\"collapse\" data-target=\"#accordion0000000002\">\n        <span class=\"luna-accordion__title\">Bedroom<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000002\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><table class=\"luna-table luna-table--responsiveList\"><thead class=\"luna-table__header\"><tr><th style=\"width: 50%;\">Item<\/th><th style=\"width: 50%;\">Typical cost<\/th><\/tr><\/thead><tbody class=\"luna-table__body\"><tr><td><strong>Mattress and boxspring<\/strong><\/td><td>$250\u2013$10,000<\/td><\/tr><tr><td><strong>Bedroom sets<\/strong><\/td><td>$400\u2013$22,000<\/td><\/tr><\/tbody><\/table><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000003\" data-toggle=\"collapse\" data-target=\"#accordion0000000003\">\n        <span class=\"luna-accordion__title\">Outdoor furniture<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000003\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><table class=\"luna-table luna-table--responsiveList\"><thead class=\"luna-table__header\"><tr><th style=\"width: 50%;\">Item<\/th><th style=\"width: 50%;\">Typical cost<\/th><\/tr><\/thead><tbody class=\"luna-table__body\"><tr><td><strong>Lawn furniture<\/strong><\/td><td>$100\u2013$20,000<\/td><\/tr><tr><td><strong>Grill<\/strong><\/td><td>$160\u2013$23,000<\/td><\/tr><\/tbody><\/table><\/div>\n  <\/div>\n<\/li><\/ul><h3>Representative example: Paul finances a lounge set<\/h3><p>Paul\u2019s old couch and recliner are well past their best, so Paul decides it\u2019s time to purchase a new lounge set for his living room. He finds the lounge set he wants for $3,000, which is more than he can easily afford to pay upfront.<\/p><p>Paul decides to finance the lounge set to ensure that he doesn\u2019t blow all his savings in one go. He compares financing options from four lenders to find an affordable loan. Check out the table below for details of his comparison.<\/p><table class=\" custom-table js-custom-table\" width=\"637\"><thead><tr><th><\/th><th>Lender A<\/th><th>Lender B<\/th><th>Lender C<\/th><th>Lender D<\/th><\/tr><\/thead><tbody><tr><td>Amount borrowed<\/td><td>$5,000<\/td><td>$5,000<\/td><td>$5,000<\/td><td>$5,000<\/td><\/tr><tr><td>Interest rate<\/td><td>0%<\/td><td>9.99%<\/td><td>7.99%<\/td><td>10.99%<\/td><\/tr><tr><td>Loan term<\/td><td>18 months<\/td><td>24 months<\/td><td>36 months<\/td><td>48 months<\/td><\/tr><tr><td>Admin fee<\/td><td>$99.99<\/td><td>$0<\/td><td>$0<\/td><td>$0<\/td><\/tr><tr><td>Total interest<\/td><td>$0<\/td><td>$536.84<\/td><td>$639.72<\/td><td>$1,201.76<\/td><\/tr><tr><td>Total cost<\/td><td>$5,099.99<\/td><td>$5,536.84<\/td><td>$5,639.72<\/td><td>$6,201.76<\/td><\/tr><tr><td>Monthly payment<\/td><td>$283.33<\/td><td>$230.70<\/td><td>$156.66<\/td><td>$129.20<\/td><\/tr><\/tbody><\/table><p>Paul decides to get financing from Lender A. Though Lender A charges a $99.99 admin fee and has a high monthly payment, it offers the cheapest way to finance his furniture purchase.<\/p><h3 id=\"tips\">6 tips for saving before you finance furniture<\/h3><ol><li><strong>Buy direct from the manufacturer.<\/strong> Wholesale prices from the manufacturer are often less than retail prices you find at the store or online.<\/li><li><strong>Go to warehouse sales.<\/strong> It\u2019s common for furniture stores to open their warehouses to push out overstocked items, sell floor samples, returned or damaged furniture \u2013 often at a big discount.<\/li><li><strong>Shop secondhand.<\/strong> Not only are secondhand items less expensive than new furniture, a well-made used item often lasts longer than its cheaply made counterpart.<\/li><li><strong>Shop at the end of the month.<\/strong> Salespeople often have a monthly quota to meet and are sometimes more willing to budge on the price if they\u2019re short on sales.<\/li><li><strong>Wait until January or July. <\/strong>New showroom styles usually come out in February and August, meaning that salespeople might be pushing to get rid of older styles the month before.<\/li><li><strong>Sign up for sales alerts. <\/strong>If you don\u2019t need furniture now, signing up for sales alerts could help you find a deal you might have otherwise missed.<\/li><\/ol><h3>Bottom line<\/h3><p>In-store financing is easier than taking out a personal loan and could be a good deal if you\u2019re able to make repayments on time and before the financing period is up. However, you may not qualify if you have a history of missing bill or loan payments. If you have bad credit, consider applying to alternative lenders of personal loans.<\/p><article class=\"luna-card luna-card--primary luna-card--border\">\n  <div class=\"luna-card__block\" style=\"padding:0.7em\">\n<span style=\"font-size:0.9em; font-weight: 800; font-style: italic; text-transform: uppercase;\">Dive deeper: <\/span><a href=\"https:\/\/www.finder.com\/ca\/personal-loans\" style=\"text-decoration:underline; font-size:0.9em;\">Have time? Compare 45+ personal loans<\/a>\n<\/div>\n<\/article><h3 id=\"faq\">Frequently asked questions about furniture financing<\/h3><ul class=\"luna-accordionGroup accordionGroup\">\n\t<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000003\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000003\">\n                <span class=\"luna-accordion__title\">What kind of credit score do I need to get a furniture financing?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000003\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>It depends on the store, but many furniture stores offer financing for all credit types. Layaway also typically doesn't require a credit check at all.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000004\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000004\">\n                <span class=\"luna-accordion__title\">Does IKEA provide financing in Canada?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000004\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>Yes, IKEA Canada offers two financing options. The first is to split purchases of between $50 and $1,000 into four interest-free payments with Afterpay. If you're making a larger purchase, you can finance it with a PayPlan by RBC installment loan. These loans are available for purchases up to $10,000 and offer 0% APR on approved credit.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000005\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000005\">\n                <span class=\"luna-accordion__title\">Can I use a mortgage to cover furniture costs?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000005\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>Usually you cannot use a mortgage to cover furniture costs.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000006\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000006\">\n                <span class=\"luna-accordion__title\">How can I pay off my furniture loan fast?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000006\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>The fastest way to pay off your furniture loan is to make larger repayments each month, but check with your lender to make sure there's no early repayment fees. If you want to adjust the rates and terms of your loan, you might want to consider refinancing it with another lender.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000007\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000007\">\n                <span class=\"luna-accordion__title\">Can I get furniture financing with no credit check in Canada?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000007\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>Yes, you have options in furniture financing with no credit check. You can apply for in-store financing, a rent-to-own plan or a no credit check personal loan.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n\n<\/ul>\n<div id=\"sources\" style=\"position: relative;\"><h3 style=\"position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip: rect(0,0,0,0); white-space: nowrap; border: 0;\">Sources<\/h3>\n<div id=\"lazy0000000008\"><\/div>\n<script type=\"application\/json\" id=\"lazyloaded-assets-json-lazy0000000008\" class=\"lazyloaded-assets-json\">{\"critical-scripts\":[],\"scripts\":[\"https:\\\/\\\/www.finder.com\\\/parent-theme\\\/shortcodes\\\/article-source\\\/prod\\\/article-source.de087a0da9824e407767.js\"],\"styles\":[\"https:\\\/\\\/www.finder.com\\\/parent-theme\\\/shortcodes\\\/article-source\\\/prod\\\/article-source.87684078d471e76125dd.css\"]}<\/script><\/div>","protected":false},"excerpt":{"rendered":"<p>Need cash to upgrade your home decor? Here are your furniture financing options in Canada.<\/p>\n","protected":false},"author":1000,"featured_media":759779,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"apple_news_api_created_at":"","apple_news_api_id":"","apple_news_api_modified_at":"","apple_news_api_revision":"","apple_news_api_share_url":"","apple_news_cover_media_provider":"image","apple_news_coverimage":0,"apple_news_coverimage_caption":"","apple_news_cover_video_id":0,"apple_news_cover_video_url":"","apple_news_cover_embedwebvideo_url":"","apple_news_is_hidden":"","apple_news_is_paid":"","apple_news_is_preview":"","apple_news_is_sponsored":"","apple_news_maturity_rating":"","apple_news_metadata":"\"\"","apple_news_pullquote":"","apple_news_pullquote_position":"","apple_news_slug":"","apple_news_sections":[],"apple_news_suppress_video_url":false,"apple_news_use_image_component":false,"footnotes":""},"categories":[107120],"tags":[107171],"asset_tag":[],"class_list":["post-759760","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-store-financing","tag-store-financing"],"apple_news_notices":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.9 (Yoast SEO v24.9) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>6 Ways to Get Furniture Financing | Finder Canada<\/title>\n<meta name=\"description\" content=\"Here are 6 ways to get furniture financing for good or bad credit. Compare your options to pay the least amount of interest.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.finder.com\/ca\/personal-loans\/store-financing\/how-to-finance-new-furniture\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"6 ways to finance furniture\" \/>\n<meta property=\"og:description\" content=\"Here are 6 ways to get furniture financing for good or bad credit. 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Layaway also typically doesn't require a credit check at all.\r\r"}},{"@type":"Question","name":"Does IKEA provide financing in Canada?","acceptedAnswer":{"@type":"Answer","text":"\r\rYes, IKEA Canada offers two financing options. The first is to split purchases of between $50 and $1,000 into four interest-free payments with Afterpay. If you're making a larger purchase, you can finance it with a PayPlan by RBC installment loan. These loans are available for purchases up to $10,000 and offer 0% APR on approved credit.\r\r"}},{"@type":"Question","name":"Can I use a mortgage to cover furniture costs?","acceptedAnswer":{"@type":"Answer","text":"\r\rUsually you cannot use a mortgage to cover furniture costs.\r\r"}},{"@type":"Question","name":"How can I pay off my furniture loan fast?","acceptedAnswer":{"@type":"Answer","text":"\r\rThe fastest way to pay off your furniture loan is to make larger repayments each month, but check with your lender to make sure there's no early repayment fees. If you want to adjust the rates and terms of your loan, you might want to consider refinancing it with another lender.\r\r"}},{"@type":"Question","name":"Can I get furniture financing with no credit check in Canada?","acceptedAnswer":{"@type":"Answer","text":"\r\rYes, you have options in furniture financing with no credit check. You can apply for in-store financing, a rent-to-own plan or a no credit check personal loan.\r\r"}}]}]},"article_modified_time":"2024-03-26T11:57:02+00:00"},"custom_fields":{"show_author_box":["yes"],"_content_type":["niche-content\/information\/how-to"],"_masthead_variant":["{\"id\":\"standard-blue\",\"showFeaturedImage\":false,\"presetId\":\"\",\"shouldUsePrimaryCTAFieldName\":false,\"shouldUseSecondaryCTAFieldName\":false,\"primaryCTA\":null,\"secondaryCTA\":null,\"widgetShortcode\":\"\",\"widgetHeading\":\"\",\"widgetStats\":\"\",\"hasPrioritizedWidget\":false,\"hasMaximizedWidget\":false,\"shouldUseOverrideCTALabel\":false,\"overrideCTA\":null,\"cleanTopPicks\":\"\",\"tilesMenuId\":\"\"}"],"_masthead_subheading":["{\"text\":\"Need cash to upgrade your home decor? 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