How it works

Step 1

Get Approved

See if you’ll be approved for a lease instantly, with no hit to your credit score. Access your spending limit and start shopping for furniture and home decor right away.

Step 2

Go Shopping

Browse through our furniture store and choose the items you want–up to your spending limit. Checkout and start for just $35. Did we mention we ship for free?

Step 3

Make Simple, Automatic Payments

Get paid weekly, every other week, semi-monthly, or monthly? Easy payment options and automatic withdrawals accommodate your payday schedule.

Step 4

Build Credit
Every Month

We report your payments to the major credit bureaus which helps establish or boost your credit score.

Own It At Your Own Pace

Pick the option that works for you—from 90 days to 17 months. The earlier you pay your balance in full the more you save.

Pay Over 17 Months

Make payments for 17 months and you own the items!

90 Day Purchase Option

Pay your balance in full in 90 days for just the retail price. There are no additional fees.

Early Purchase Option

Take advantage of significant savings by paying your balance in full any time before 17 months.

Frequently Asked Questions

  • Be 18 years old or older
  • Have an active checking account with at least $1,800 of income per month
  • Have at least three months of income history with your current source of income
  • Have a government-issued photo ID, and a social security number or Individual Taxpayer Identification Number (ITIN)

If you’ve got all those things, great! Get started and we’ll let you know within seconds if you’re approved!

While we may receive your consumer report and credit score, we look at multiple data points in order to make a final decision, and we regularly approve customers who have less than perfect credit history. All you need to do to get started is provide some personal information and meet some basic income requirements.

Using Becca’s Home allows you to demonstrate a repayment history to the credit bureaus. By providing an account for your purchases, Becca’s Home helps you build your credit score in several ways:

  • Automatically having your balance paid in full every month creates a consistent payment history, which accounts for 35% of your score.
  • Becca’s Home starts the clock on your average length of credit history, accounting for 15% of your score.
  • Becca’s Home adds another account to your credit mix, which makes up 10% of your score.

Nope! It’s free to apply.

We offer free shipping nationwide for every order on our website.

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