Buy now pay later furniture

Buy Now Pay Later Furniture

Is your dining table or sofa in need of replacement? Are you looking for affordable ways to replace your old furniture?

High-quality furniture can be pretty expensive. Stores often require a hefty deposit or charge an exorbitant interest rate if you use your credit card.

Don’t worry. With buy now pay later furniture websites, you can easily purchase brand-new items while spreading the cost of payments.

12 Furniture Sites You Can Buy Now Pay Later

1.     IKEA

If IKEA is your must-visit shop for furniture products, then here’s a piece of good news for you.

IKEA offers two financing offers through their credit card programs. These are the IKEA Visa credit card and IKEA Projekt credit card. Both the cards are issued by the Comenity Capital Bank. However, the Projekt card is the one you need to look out for as it is the only pay later program offered by the furnishings company.

The Visa credit card is a rewards program for smaller everyday purchases that don’t cost much. While the Projekt card is for bigger pay-later purchases. It requires neither an annual fee nor a prepayment penalty.

The pay later program available for Projekt card holders comes with three financing options. 0% interest for 6 months on a purchase amounting to $500 or more

  • 0% interest for 12 months on a purchase amounting to $1,500 or more
  • 0% interest for 24 months on a purchase amounting to $5,000 or more

After the period of 6, 12, and 24 months, a standard APR of 21.99% is applied.

The IKEA Projekt Credit Card can be used across IKEA stores and for online purchases as well.

2.     Home Depot

Want more financing options from the same place?

The Home Depot has four!

Here are the different types of options available to you when you shop at the Home Depot.

  • Consumer Credit Card
  • Project Loan
  • Commercial Revolving Charge Card
  • Commercial Account

The Consumer card is for smaller purchase amounts of $299 or more. It is best for times when a simple lighting or appliance change is all you’re looking for.

The Project loan is, as its name states, for renovation projects. It gives customers a credit line of up to $55,000 and allows them 84 months to pay it.

Are you looking to change the furniture at your office?

Then the Commercial card and account are perfect for you!

The card allows you to manage or your employees to manage official job site purchases and payments in full and monthly as well. While the account allows you to pay your balances in full every month or pay for selected items by invoice.

Visit the Home Depot website to check out their financing plans in detail.

3.     Bed Bath & Beyond

If a wide range of options is a must-have for you, then Bed Bath & Beyond is for you!

What’s even better?

They provide two financing options that allow you to take home your steals right away and pay in installments later. These include the Bed Bath & Beyond Store Credit Card and the Bed Bath & Beyond Mastercard Credit Card.

Both cards provide customers exclusive offers, welcome coupons, reward certificates, and more.

Cardholders also get special financing on purchases such as:

  • 6 months financing on purchases between $250-$499.99
  • 12 months financing on purchases between $500-$1,499.99

The Store Credit Cardholders also get 24 months of financing on purchases of $1,499.99 and above.

There is no annual fee to pay and cardholders have access to financing across all stores of Bed Bath & Beyond and its family of brands.

4.     Nebraska Furniture Mart

Another place that offers a large selection of furnishings is the Nebraska Furniture Mart (NFM).

Nebraska Furniture Mart offers their credit card for both personal shopping and commercial shopping alike.

As per their website, NFM is also offering 0% interest for purchases paid in full amounting to $499 or more.

Both options provide flexible payment plans and flexible plans based on products. You are also required to apply for credit online and get approved for a spending limit.

5.     Birch Lane

Interested in traditional-style, classic furniture?

Birch Lane, with their pay later options, is the perfect destination to check out!

The best thing about Birch Lane is they offer both a credit card and financing option. The credit card offer gives you access to bonuses, rewards, and financing all-in-one.

The financing option gives you access to pay later services such as Affirm, Acima, Genesis Credit, Fortiva Retail Credit, and more.

The options and details on financing options from Birch Lane are plenty. Check it all out on their website.

6.     Wayfair

Wayfair is your place to buy some cheap furniture now and pay for it later.

Wayfair offers customers financing plans through BNPL partners such as:

  • Acima
  • Affirm
  • Fortiva
  • Katapult
  • Citizens Pay
  • Genesis Credit

Their program first checks credibility and accordingly assigns you the service providers you qualify for.

Worried about the credit check affecting your credit score?

Don’t worry. Checks from Wayfair won’t affect your credit score. However, your payment activity with the service provider will.

7. Modloft

A great platform to start your search for buy now pay later furniture is Modloft. This store offers a diverse catalog of high-quality yet affordable furniture. A 30-day trial period ensures that you’re satisfied with the purchase. You can check the look and feel of your new bed or chair without any worries. Don’t forget to ask about their free room planning service.

8. Sundays Company

Another interesting platform that’s looking to revolutionize how furniture is bought is Sundays Company. Aside from offering the buy now pay later option, their unique ethos of selling furniture makes them stand out from the rest. With their gorgeous yet livable pieces, your home feels perfect for cozy weekends. The company also has products made from vegan-friendly and reclaimed materials.

9. Poly & Bark

Poly & Bark is featured in a lot of interior design websites for good reason. This purely online furniture store sells stylish yet comfortable items that stand the test of time. The company has a 100-day trial period plus a free return policy, so you have plenty of time to get accustomed to your new furniture.

10. Scandiborn

Scandiborn is a platform that specializes in Scandinavian-inspired furniture. Some of their best-sellers include baby furniture and nursery accessories. If you’re looking to shop for baby furniture, Scandiborn is the best place to start. They also support buy now, pay later plans with options for free delivery.

11. Furniture and Living Rooms

Furniture and Living Rooms is all about custom financing, allowing you to buy now, pay later via multiple lenders. They have both classic and trending products available across several categories, including master bedroom sets, living room sets, dining room sets, office furniture, and accents. This platform has a strict no-refund and no-return policy. They will only replace products if they’re damaged or defective.

12. ergonofis

It’s not enough to work in your bed or curled up on the sofa. You want ergonomic and sturdy furniture similar to those available in a traditional office. However, setting up a workspace at home can put a dent in your budget. Good thing ergonofis offers buy now pay later plans on desks, chairs, and other office essentials.

How To Buy Furniture Online Using Buy Now Pay Later Apps

Online stores usually offer zero interest and no-fee installment plans through payment platforms like Affirm, Splitit, Bread, Four. This means you pay the exact price for the product you want and have your new furniture delivered to your doorstep fast.

Suppose you have $500 of credit available on your credit card and your new bed costs $500. You can use your card on these online furniture retailing platforms without paying the whole cost up front.

The online platform will convert the payment to several smaller installments so that you can pay for the bed in parts.

You can also choose the time frame to complete the payment: 3 months, 6 months, 12 months, or even 24 months.

Why Does Buy Now Pay Later Furniture Make Sense?

If you’re on a tight budget, furniture financing when shopping online can be a lifesaver. Furniture and other products bought online are usually more affordable compared to those from brick-and-mortar stores. Since you can compare products from outside your immediate location, you have a wider range to choose from.

When you split the cost of all your purchases, you end up with smaller and more affordable monthly installments. That makes it easy for you to pay for all the products without dipping into your emergency fund or sacrificing essentials.

Not only do you have enough time to pay for the product, but you also get to enjoy comfortable furniture while doing so.

Are you moving to another city or state? The buy now pay later option makes it easier to procure home essentials after a move. You can furnish a new house or apartment quickly without breaking the bank. Plus, you won’t have to pay a moving company to haul your old stuff.

If you’re worried about bad credit or low credit scores, these buy now pay later options are useful. You can purchase all the furniture you want without the hassle of getting loan approval or strict credit checks. All you need is enough to cover the full cost of the product within the installment plan.

Pay Later Furniture For Bad Credit

If you have bad credit you can still buy the furniture you need. Fingerhut is one service which lets you buy now and pay later even if you have bad credit. Fingerhut approves 9/10 applications for credit and have a large range of Furniture options include sofas, beds and tables.

Even better is that payments made with Fingerhut are reported to credit bureaus. This is a good way to build your credit score in the future.

Can you buy furniture with Afterpay?

Yes, Afterpay works with a wide range of furniture store. We have put together a list of the top Afterpay furniture stores which includes world market and urban outfitters.

Can you buy furniture with Klarna?

Yes, you definitely can buy furniture with Klarna. Here is our recommended Klarna furniture stores:

  • Bed Bath & Beyond
  • AllModern
  • BedCo Furniture
  • Club Furniture
  • Furniture Factory Outlet of Cleveland
  • Levity Furniture


Buy now pay later or BNPL is changing the landscape of online retail. It is spurring people to spend more on furniture and other goods that usually cost a lot of money. With smaller payments, redecorating or furnishing your home is possible without the anxiety.

The ease of payment makes BNPL an attractive proposition. Not only that but these products are delivered right to your doorstep.

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