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Buy Furniture Now, Pay Later with Stores that offer Payment Plans

Buy Furniture Now, Pay Later with Stores that offer Payment Plans

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If you are moving, building a new house or just want to redecorate, chances are that you want new furniture. But new furniture is expensive!

Thankfully, there are several online stores that sell furniture that allow you to buy furniture now and pay later with deferred billing options  and Progressive leasing options so you can make payments on furniture! Plus it'll be delivered right to your door – score! Check out the list of furniture places with payment plans below:

The Novogratz

The Novogratz are a design forward team that now have their own online furniture store. The Novogratz aim to build a community of creators who will CREATE GOOD designs, homes, lifestyles. Your home should be a reflection of who you are: bespoke, personalized, and well-curated. Buy Now, Pay Later available through Afterpay so you can get that dream couch, rug and more and pay in easy installments!  Shop The Novogratz

Design Within Reach

Design Within Reach lets you take home the best in modern designed furniture today and pay for it later with promotional financing offers. There is no interest for 24 months on purchases of $2500 or more, and no interest if paid in full within 6 months on purchases of $500 ore more, with the Design Within Reach credit card.

Ashley Homestore

Ashley Homestore – Special financing options online with no money down. Can be combined with discount offers. See Ashley Homestore for more info on payment terms.


Sofamania – They sell all types of furniture, including buy now pay later couches! Shop affordable designer living room, bedroom, kitchen and dining furniture all with free shipping, and they accept Affirm.


Apt2B – Shop superior-quality modern furniture and home decor without breaking the bank. They also accept Affirm so you can make 3, 6 or 12 month payments plus get free in-home delivery. With no initial payment required, you can easily furnish your home with their selection of pay over time furniture.


At Bellacor find lighting, furniture, home decor and more and pay with Affirm. They have a wide selection of furniture pieces available for deferred billing or pay over time furniture options.

Birch Lane 

 Open a birch lane credit card with no annual fee and 3% back in rewards or special financing up to 36 months. They also accept Affirm


 Wayfair Accepts Affirm and sells a zillion things for your home including affordable living room, bedroom, accent, patio furniture and more. Explore our favorite hidden gems at Wayfair! 


Buy modern furniture, modular sectionals and bean bag chairs with 6 or 12 months promotional financing with their Lovesac credit card hosted by Synchrony Bank. Get the furniture you love without an initial payment. Shop now!


Get a free $50 gift card for applying and getting approved for their Amazon Rewards Visa Card that you can instantly apply towards new furniture plus earn 3% back on your Amazon purchase. Shop now!

Conn's Home Plus

offers a variety of credit and lease options on furniture, appliances, electronics and more. Financing option include a store credit cards, retail installment contracts and lease-to-own programs through Progressive Leasing. They say “yes” when other stores say “no”. You can easily get pay over time furniture and select items with flexible payment terms. Shop now!

Montgomery Ward 

Buy Now, Pay Later with Ward's Credit (formerly known as Choose ‘n Charge). Get brand name furniture such as nightstands, headboards, fireplaces, outdoor furniture and more with payments starting as low as $10 a month!

Can't find the furniture that you're looking for? Apply for a personal loan up to $50K deposited directly into your bank account to spend on anything you want. Apply for free in minutes!

The following online stores all sell furniture AND accept PayPal, so you can choose PayPal Credit (formerly Bill me Later) at checkout to make monthly payments. Make no payments and pay no interest if paid in full in 6 or 9 months.

Curious of how Target stacks up to Walmart? Checkout our post on Target Vs Walmart!

Buy Furniture Now, Pay Later with Stores offering Deferring Billing

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Pamela Thrailkill

Monday 2nd of March 2020

I desperately need furniture but I have bad credit and I can't pay anything until next month.

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