Ready to buy some patio furniture but need financing? We may be able to help you get an offer and, if approved, you can shop for your furniture as a cash buyer. First, how much do you expect to spend?

Outdoor patio furniture purchased with online financing.

Buy Furniture Now & Pay Later

With a loan for backyard gear, you can buy your furniture now and pay for it over time. It can allow you to get the furniture that you need right now, when you need it. It may also allow you to buy higher quality furniture which will not only be more comfortable, but will also last longer.

Get Your Offer

We make it easy to get the financing that you need, even if you have bad credit or no credit. We can do this because we are not lenders. No, instead, we get you into contact with a large group of internet lenders. More lenders means more chances of getting a yes from one of them. Here is how it will work.

First, decide how much you expect to spend. Keep in mind that your lender will pay you in cash, so you can request more money to buy other backyard gear if you like. Need a smoker? Ask for an extra 300 to 800 dollars.

Once you have your number, enter it along with some basic personal information. Then, submit your form and wait for your answer.

If approved for patio furniture financing, one lender from the group will make you an offer. Should you decide to accept that offer, your lender will send you cash ASAP. This could happen as soon as the very next business day.

Accepting An Offer

Accepting a loan offer should not be an automatic thing. This is especially true if you have less than perfect or bad credit. The terms could potentially be very unfavorable, so here are some things to consider before pulling the trigger.

How much is the financing going to cost me?

In almost every case, patio furniture is a luxury item. That means that you can do without it if the cost of the loan is too high. How much is too high will depend on you. In any case, make sure that you are okay with the total cost of the loan versus the purchase price.

Is there a better way to get it?

Do you have another place to get your furniture cheap. Perhaps a friend is upgrading a set or you might even be able to buy some outdoor seating cheap on Craigslist.

Can you afford to make the payment?

Perhaps the most important question to ask yourself is whether or not you can even afford the payments on your furniture. Fit the payment into your budget and make sure it fits okay. You can not just think that the money to make your payments will show up, you need to be sure.

Buying Your Outdoor Gear

If you were approved and decided to accept a loan for patio furniture, now comes the time to search for the perfect outdoor seating. As a cash buyer, you have a lot of choices, so you should take the time to get the perfect set.

One thing that you need to do is shop around. Visit several furniture stores and find out what kind of furniture you like. Are you looking for ultra comfortable or do you like the classic looks of wrought iron?

After you have the perfect set in mind, you can start price shopping. You can go local or turn to the online market to save money. If you go with online furniture that you can not “test drive” it would be a good idea to stick to trusted names. You should also read as many reviews as possible.