Best to save your money and pay cash.
No furniture is going to let you pay on time. Nor - I suspect - would any private party. Those days are long gone.
You could see if some furniture store has a lay-away plan. Then you can pay over time but you won't get it until it's paid for.
And yes, having a job helps if one wants to buy things.
i am looking for good and nice looking sofa's in Maryland (I will only be able to pay over time and price needs to be under $700) I have no credit but I do have a job if that helps
