<prompt> Human: Ive heard to avoid financing furniture and wait until you can buy it with cash. But I really dont want to spend 2 months with my apartment just being a mattress laying on the ground in an empty room. What can be done to buy furniture for an apartment when you are waiting to get your first paycheck?  <response>: Dont rent to own you end up paying 3 times the amount you would pay buying it outright. Get some lawn chairs and in a couple weeks the furniture will come. Also their are people moving all the time who need to get rid of furniture free or cheap check craigslist. 