Flexible Payment Options
Split your purchase into easy installments with interest-free options available. Choose the payment plan that works for your budget.
Financing available on orders $200+
How It Works
Three simple steps to flexible payments
Shop Your Favorites
Browse our collection and add items to your cart.
Request a Payment Link
Email or call us—we'll send a secure link within 2–4 hours.
Choose & Check Out
Select your provider, pick your plan, and complete your purchase.
See What Your Payments Could Look Like
Example: A $2,400 sofa with Pay in 4
Today
$600
Week 2
$600
Week 4
$600
Week 6
$600
0% interest when you pay on time • Your furniture ships right away
Choose Your Payment Option
Compare features to find the right fit
| Feature | Affirm | Klarna | Afterpay |
|---|---|---|---|
| Pay in 4 | ✓ | ✓ | ✓ |
| Pay in 2 | ✓ | — | — |
| Pay in 30 Days | ✓ | ✓ | — |
| Monthly Financing | Up to 36 months | Up to 24 months | Up to 12 months |
| Interest-Free Option | ✓ | ✓ | Always 0% |
| APR Range | 0–36% | 0–35.99% | 0% |
| Late Fees | Never | Up to $7 | Yes, varies |
| Best For | Maximum flexibility | App management | Guaranteed 0% |
Not sure which to choose?
Full Details
Best for: Maximum Flexibility
- Pay in 4 — 4 interest-free payments, every 2 weeks
- Pay in 2 — 2 interest-free payments per month
- Pay in 30 — Pay in full within 30 days, interest-free
- Monthly plans — 3 to 36 months (0–36% APR)
- No late fees, ever
Best for: App Management
- Pay in 4 — 4 interest-free payments, every 2 weeks
- Pay in 30 — Pay in full within 30 days, interest-free
- Monthly financing — 6 to 24 months (0–35.99% APR)
- Manage everything in the Klarna app
- Late fee up to $7 may apply
Best for: Guaranteed 0% Interest
- Pay in 4 — 4 interest-free payments, every 2 weeks
- Extended plans — 6 to 12 months for orders over $400
- Instant approval decision
- Quick setup, no long forms
- Late fees may apply if payment is missed
Secure Checkout
PCI-compliant payments
Interest-Free Options
Pay on time, pay no extra
Quick Approval
Instant eligibility check
Common Questions
Everything you need to know
Why do I need to contact you instead of selecting at checkout?
We process BNPL payments through secure direct links to ensure the smoothest experience for furniture purchases. This allows us to apply any promotions and verify your order details before finalizing. Our team typically responds within 2–4 hours during business hours.
Will applying affect my credit score?
No. Affirm, Klarna, and Afterpay use soft credit checks to determine eligibility, which won't impact your credit score. If you choose a longer-term financing plan with monthly payments, a hard credit check may be required depending on the provider.
What's the minimum order for financing?
Financing is available on orders of $200 or more. Each provider may have additional minimums for certain plans—for example, Afterpay's extended plans require orders over $400.
What if I'm not approved?
Approval depends on each provider's criteria. If one doesn't work, try another—each has different requirements. You can also pay with a credit card or other method at checkout.
Can I use a promo code with financing?
Yes! Just mention your promo code when you contact us, and we'll apply it before sending your payment link.
Is my payment information secure?
Absolutely. All transactions are processed directly through Affirm, Klarna, or Afterpay's secure, PCI-compliant platforms. We never see or store your payment details.
Ready to Get Started?
Contact us with your order details and preferred payment option. We'll send you a secure link within 2–4 hours.
