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A bedroom set — bed frame, headboard, dresser, nightstands — is often the first major furniture purchase people make when moving into a new home. It’s also one of the most expensive, with complete bedroom sets ranging from $500 for basic models to $3,000 or more for premium furniture. Installment plans make bedroom furniture sets accessible without the need to pay the full price upfront.
The best bedroom furniture installment plans offer no credit check, low or zero down payment, flexible weekly or monthly payment scheduling, and fast delivery. This guide covers every option from in-store rent-to-own to online lease programs — so you can set up your bedroom properly without financial stress.
What’s Typically Included in a Bedroom Set
A standard bedroom set includes a bed frame (often with headboard and footboard), a dresser, and one or two nightstands. Many sets also include a mirror for the dresser. Higher-end packages may add a chest of drawers, a wardrobe, or a media console. When financing a bedroom set, make sure you know exactly what pieces are included — some sets are priced for the frame alone, while others include the full package.
The mattress is typically sold and financed separately from the bedroom furniture set, though some programs offer bundle pricing. If you need both the furniture and the mattress, ask about bundle discounts — some retailers offer package pricing that can reduce the per-item lease cost.
Acima and Progressive Leasing: Shop Major Retailers
Acima and Progressive Leasing give you access to bedroom sets at major furniture retailers — Ashley Furniture, Rooms To Go, Badcock, and hundreds of regional stores. You shop in the store or online, select your bedroom set, and apply for the lease at checkout. Decisions come back in minutes, and your bedroom set can often be delivered within the week.
Both programs offer weekly and monthly payment options, and both have 90-day same-as-cash options that can significantly reduce the total cost if you’re able to pay off within that window. For high-quality bedroom sets from well-known brands, this combination of good selection and flexible payment terms is hard to beat.
In-Store Programs: Immediate Availability
Rent-A-Center and Aaron’s both carry complete bedroom sets at their store locations. The selection is more limited than major furniture retailers, but the in-store experience is streamlined — you see the furniture, apply for the payment plan, and schedule delivery all in one visit. For people who prefer to see and touch furniture before committing, this is the best approach.
In-store programs also offer the fastest delivery — same day or next day is possible for sets that are in stock locally. This is especially valuable when you’re moving into a new place and need to be sleeping in a proper bed as quickly as possible.
Typical Installment Amounts for Bedroom Sets
Weekly installment amounts for bedroom sets depend on the set’s retail price and the lease term. A basic queen bedroom set (retail $600 to $800) might have weekly payments of $25 to $45. A mid-range set (retail $1,200 to $1,500) might run $45 to $70 per week. A premium set (retail $2,000+) could exceed $80 per week depending on program and term.
Monthly installments for the same sets would be approximately four times the weekly amount, though exact monthly amounts vary by program’s calculation method. Always request the total lease cost and compare it to the retail price so you understand the full financial commitment before signing.
Applying and Getting Delivery
Whether you apply online at Acima.com, in-store at Aaron’s, or through FlexShopper, the application for bedroom furniture installments is simple and returns a decision in minutes. No credit check is required. Once approved, your bedroom set is ordered or pulled from inventory and delivered according to the program’s schedule.
Make sure to measure your bedroom before ordering — particularly for beds with tall headboards and dressers with mirrors. Delivery teams will place furniture in the room, but if it doesn’t fit, you may need to request a different configuration. Taking measurements before shopping saves time and potential delivery complications.
Start Your Easy Payment Plan Today — Approved in Minutes
Whether you need furniture today or want to plan your purchase, EasyPayQuick.com connects you with payment plans that fit your budget. No credit required, weekly or monthly payment options, and fast same-day approval available. Apply in minutes and get the home you deserve without the wait.
Frequently Asked Questions
Can I finance a complete bedroom set with no credit check?
Yes. Programs like Acima, Progressive Leasing, Rent-A-Center, Aaron’s, and FlexShopper all offer installment plans for bedroom sets without checking your credit score.
How much are weekly payments for a bedroom furniture set?
Typically $25 to $45/week for basic sets and $45 to $80+/week for mid-range to premium sets, depending on retail price and lease term.
Does a bedroom set payment plan include the mattress?
Usually not — furniture sets and mattresses are typically financed separately. Ask about bundle deals if you need both.
How fast can I get a bedroom set delivered through an installment plan?
In-store programs like Rent-A-Center and Aaron’s can often deliver the same day or next day. Online programs and major retailer lease programs typically deliver within 3-7 business days.
Is there a $0 down option for bedroom furniture installment plans?
Yes. Many programs don’t require a separate down payment. You typically pay only the first period’s installment (weekly or monthly) at signing.
Affiliate Disclosure: EasyPayQuick.com participates in affiliate programs with Acima, Progressive Leasing, Rent-A-Center, Aaron’s, FlexShopper, Klarna, Affirm, and other payment plan and lease-to-own providers. We may earn a commission when you click links and complete an application. This does not affect your approval odds, payment terms, or the cost of your plan. All information is provided for educational purposes only.