Financing options
Four simple ways to spread out the cost of your new furniture — from 0% interest plans to no-credit-needed lease-to-own. Pick what fits at checkout.
Estimates before tax & delivery. Final plans, rates and eligibility are shown at checkout.
Every option is available right at checkout. Filter by what matters most to you.
Pay in full or in installments
Split your order into 4 interest-free payments every 2 weeks, or choose monthly payments for bigger rooms — right inside checkout.
Pay in 4 or Pay Monthly
Use the PayPal account you already have. Split purchases into 4 interest-free payments, or spread larger orders over 3–24 months.
Lease-to-own, pay over time
No credit history? No problem. Snap looks beyond your credit score, with approvals from $300 to $5,000 and a decision in seconds.
4 interest-free payments
Pay 25% today and the rest in 3 payments over 6 weeks — all managed in the Afterpay or Cash App app.
No option matches that filter — try another.
Find the pieces you love at our low, direct-from-manufacturer prices.
Choose Shop Pay, PayPal, Snap or Afterpay and get a decision in moments.
We schedule delivery with you while you pay on a schedule that fits your budget.
Swipe to see every option →
| Feature | Shop Pay | PayPal | Snap Finance | Afterpay |
|---|---|---|---|---|
| Plan type | Pay in 4 or monthly installments | Pay in 4 or Pay Monthly | Lease-to-own (not a loan) | Pay in 4 |
| Payments | Every 2 weeks, or monthly | Every 2 weeks, or 3–24 monthly | Lined up with your payday | Every 2 weeks, over 6 weeks |
| Interest | 0% on Pay in 4; monthly plans from 0% APR | 0% on Pay in 4; APR varies on Pay Monthly | Lease costs apply; 100-Day Option reduces them | 0% interest; late fees may apply |
| Credit check | Quick eligibility check | Soft credit check | No credit history needed | Won't impact your credit score |
| Amounts | Shown at checkout based on your order | $10–$2,000 (Pay in 4) · $49–$10,000 (Monthly) | $300–$5,000 approval | Spending limit set by Afterpay |
| Best for | A fast, familiar checkout | Shoppers who already use PayPal | Building or limited credit | Smaller pieces & accents |
Still unsure? Our team can walk you through every option before you order.
Want to pay it off quickly with no interest? Shop Pay, PayPal or Afterpay's Pay in 4 split your order into 4 payments over about 6 weeks. Need more time on a bigger order? Shop Pay and PayPal both offer monthly plans. Limited or no credit history? Snap's lease-to-own is built for you.
Shop Pay, PayPal and Afterpay use soft checks that don't affect your credit score. Snap looks beyond traditional credit and uses alternative credit reporting agencies — see Snap's terms at checkout for details.
With lease-to-own, Snap buys the furniture and leases it to you. You make regular payments and own it at the end of your lease — or sooner with an early purchase option like the 100-Day Option, which lowers your total cost. Leasing typically costs more than the cash price if you use the full term.
No. Once your plan is approved at checkout, your order is processed just like any other — we order it from the manufacturer and reach out to schedule delivery with you.
Returns and cancellations follow our standard policy. Once your refund is processed, it's sent to your financing provider, who updates or closes your payment plan.
Talk to a real person on our team. We'll help you compare options and find the lowest payment for your order.
Mon–Fri 10am–7pm · Sat–Sun 11am–6pm ET
Payment estimates are for illustration only and exclude tax and delivery. All financing is subject to eligibility and approval by the provider; terms, rates and availability are set by each provider and shown at checkout.
Shop Pay Installments are subject to an eligibility check and provided by Affirm's lending partners (affirm.com/lenders). Rates range from 0% APR or 10–36% APR depending on your plan and credit.
PayPal Pay in 4 and Pay Monthly are subject to consumer credit approval. Pay Monthly is a loan with APR based on your credit, issued by WebBank, and is not available in every state.
Snap Finance lease-to-own is not a loan or credit. It is a lease agreement provided by Snap RTO LLC; the total cost to own is higher than the cash price unless you use an early purchase option. Approval amounts range from $300 to $5,000 toward the cash price. Lease-to-own is not available to residents of Minnesota, New Jersey or Wisconsin.
Cash App Afterpay Pay in 4 is interest-free. You must be 18+ and a U.S. resident and meet additional eligibility criteria. Late fees may apply. See afterpay.com for complete terms.
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