Auto-suggest helps you quickly narrow down your search results by suggesting possible matches as you type.
Showing results for Search instead for Did you mean:
No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
We are looking at applying for a NFM card because we are in bad need of furniature. Our scores are 564 & 578. Does anyone know if they will approve someone with that low of a score?
Message 1 of 9No one can answer what a specific "store card" approval will be because its based on unknown parameters, you might talk to their credit manager as to your chances. One factor that you can bank on is that if they approve you that your interest rates will be sky high if your fico scores are in the 500's.
Message 2 of 9 Super ContributorNFM is 18% for everyone.
I doubt you'll see an approval in the 500s score wise.
650 or so (Experian) will get you a small, starter limit.
09/01/24 Fico 8: EX 763, EQ 800, TU 779.
Fico 9: EX 772 07/14/24, EQ 789 07/04/24, TU No idea.
Zero percent financing is where the devil lives.
Message 3 of 9 Established ContributorNebraska does have no credit financing too. Just have to go in store and ask.
i believe its through progressive leasing.
Equifax - 628, Experian -627, Transunion- 654 In the garden until 01/01/2019 Message 4 of 9 ContributorMy best friend got turned down several times over a few years and then finally approved when her score reached 680. She did the app online and got a 1k credit limit. My brother applied in-store with a 650-ish score and got approved for 3k.
Once you get your scores up to 650, I would recommend applying in the store because you would have a better chance of getting a higher starting limit vs applying online.
Message 5 of 9 Valued ContributorLove NFM 0% financing deals.
Message 6 of 9 Super ContributorDW and I have done all of our major appliances and the vast majority of our furniture via NFM 0% deals. She opened her account in 2009 and has yet to pay them a penny in interest.
09/01/24 Fico 8: EX 763, EQ 800, TU 779.
Fico 9: EX 772 07/14/24, EQ 789 07/04/24, TU No idea.
Zero percent financing is where the devil lives.
Message 7 of 9
09/01/24 Fico 8: EX 763, EQ 800, TU 779.
Fico 9: EX 772 07/14/24, EQ 789 07/04/24, TU No idea.
Zero percent financing is where the devil lives.
Message 9 of 9† Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.
Copyright © 2001- Fair Isaac Corporation. All rights reserved.
IMPORTANT INFORMATION:
All FICO ® Score products made available on myFICO.com include a FICO ® Score 8, and may include additional FICO ® Score versions. Your lender or insurer may use a different FICO ® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Scores and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.
