For in-store financing, you may consider taking advantage of a 0% APR for 12 or 24 months. If you can do the math and ensure that you complete paying on the loan before the grace period is over, then it may be a wise move. However, be careful of additional fees tacked onto the total amount of the final purchase. Additionally, if you should happen to miss paying off the in-store financing by the end of the grace period, all of the interest that would have been accumulated during that time may be due in full or tacked onto the final cost of the furniture. Interest rates for in-store financing can sometimes be automatically up to 30%, regardless of your credit score. If you seek a loan to pay for the furniture, then interest rates can range from as low as 4% to 6% and be as high as 30% to 36%, depending on your credit score. If you have a good credit score, then you can lock in one of the lower interest rates and always know exactly how much interest you will pay over the life of the loan.