How it works

Step 1

Get Approved
In 2 Minutes

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 and home decor to choose the items you want–up to your spending limit. Checkout for just $35. Did we mention shipping is always 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 on-time payments to all three major credit bureaus (Equifax, Experian and Transunion) which helps establish or boost your credit score.

three credit bureaus Equifax, Experian and Transunion

Purchase At Your Own Pace

Pick the option that works for you—from 90 days to 17 months. The earlier you purchase the more you save.

Purchase In 90 Days

Purchase in 90 days and just pay the retail price.

Purchase After 90 Days

After 90 days if you decide to purchase your items early you’ll get a discount off your remaining lease balance.

Own It In 17 Months

All lease payments go toward ownership and at the end of your 17 month lease you own the items! There are no additional fees.

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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