FINANCING
Upgrading your home is easier than ever
Split your purchase into monthly payments with Affirm, Shop Pay Installments, Klarna or Bread Pay. Prequalify in minutes with no impact to your credit score, and know exactly what you’ll owe before you buy.
WHY FINANCE WITH US
Prequalify in minutes
Complete a quick application that won't affect your credit score.
Know what you'll owe
Don't lose sleep with simple monthly payments and no hidden fees.
Unlock your home’s potential
Build the home, or renovate the kitchen, you’ve always wanted. Luxury is now attainable
OPTION 1 · PAY OVER TIME
Affirm
Pay over time with a real-time decision at checkout. Pick a monthly plan from 3 to 36 months, depending on your order size, and see exactly what you’ll owe before you commit; no hidden fees.*
- Prequalify with no impact to your credit score
- Monthly plans from 3 to 36 months, depending on order size*
- Pay off early with no penalty
*Rates from 10–36% APR based on credit, subject to an eligibility check. Plan lengths depend on your purchase amount, and in cases of partial approval a down payment may be required. Payment options through Affirm are provided by these lending partners: affirm.com/lenders.
AFFIRM · HOW IT WORKS
How to pay with Affirm
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Select Affirm at Checkout
Select Affirm at checkout, then enter a few pieces of info for a real-time decision.
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Complete Your Purchase
Pick the monthly plan you like best, from 3 to 36 months depending on your order size. You’ll never pay more than you agree to up front.
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Pay Over Time
Make payments at affirm.com or in the Affirm app. You’ll get email and text reminders.
AFFIRM FAQS
Common questions about Affirm
Can I pay off my purchase early?
Yes, there's no penalty for paying early
How do I make payments?
You can make or schedule payments at affirm.com or in the Affirm app for iOS or Android. Affirm will send you email and text reminders before payments are due.
Does checking my eligibility affect my credit score?
No, checking your eligibility won't affect your credit score.
Can I return an item I bought with Affirm?
Yes, you can return an item you bought with Affirm by initiating the return process with the store.
Do I need a mobile number to use Affirm?
Yes, you'll need a mobile phone number from the U.S. or U.S. territories. This helps Affirm verify it's really you who is creating your account and signing in.
OPTION 2 · BUY NOW, PAY LATER
Shop Pay Installments
Choose Shop Pay at checkout and split eligible orders into 2 or 4 bi-weekly payments at 0% APR, or 3 to 12 monthly payments at 6–36% APR on larger purchases, in partnership with Affirm. No separate application; it is right there on the payment step.
- 2 or 4 bi-weekly payments at 0% APR
- 3 to 12 monthly payments at 6–36% APR†
- Works with all major debit and credit cards
SHOP PAY FAQS
Common questions about Shop Pay installments
Does Shop Pay impact my credit score?
When using Shop Pay installments, there will be no impact to your credit score since Affirm doesn't conduct a hard credit pull or report to the credit bureaus.
What is the interest rate?
Bi-weekly plans (2 or 4 payments) are 0% APR with no hidden or late fees. Monthly plans (3 to 12 payments) run 6–36% APR based on your credit, and the rate is shown before you confirm.†
Can I choose a different payment plan?
Yes. Depending on your order size, Shop Pay offers 2 or 4 bi-weekly payments at 0% APR, or 3 to 12 monthly payments. You pick the plan at checkout and each payment is charged to your debit or credit card on schedule.
How to I manage my payments for Shop Pay installments?
You can log in to Shop Pay to view your order history and payment status for orders that are paid in installments with Shop Pay.
Which payment methods are accepted if I use the option to pay in Shop Pay installments?
The installments option on Shop Pay is available on all major debit and credit cards.
Are there late fees?
No, there are no late fees if you miss a scheduled payment.
What happens if I pay with Shop Pay installments and then return items or cancel my order?
If we process a refund, the refunded amount will be returned to your original payment method within 3-10 business days, and your balance will be updated.
Have more questions?
For questions about installment payments on Shop Pay, visit shop.affirm.com/help. For questions about Shop Pay or the Shop App, visit shop.app/help/shop-pay.
†Rates from 0% APR on bi-weekly plans or 6–36% APR on monthly plans. Payment options through Shop Pay Installments are subject to an eligibility check and are provided by these lending partners: affirm.com/lenders. Options depend on your purchase amount, and a down payment may be required. State notices to consumers affirm.com/licenses.
California residents: Affirm Loan Services, LLC is licensed by the Department of Business Oversight. Loans are made or arranged pursuant to California Financing Law license 60DBO-111681.
OPTION 3 · PAY IN 4 OR MONTHLY
Klarna
Pick Klarna at checkout to pay in 4 interest-free installments or split larger orders into monthly payments. Check your purchasing power before you shop; Klarna shows your plan options and payment dates before you confirm, and you manage every payment in the Klarna app.
- Pay in 4, interest-free
- Monthly financing on larger orders*
- Manage payments in the Klarna app
*Monthly financing through Klarna issued by WebBank. Other CA resident loans made or arranged pursuant to a California Financing Law license. Options depend on eligibility and purchase amount; a down payment may be required at checkout.
HOW IT WORKS
Three steps with Klarna
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Pick Klarna at checkout
Choose Klarna on the payment step and sign in or create a Klarna account in seconds.
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See your options
Klarna runs a quick eligibility check and shows your plan options and payment dates.
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Check out and pay over time
Complete the order here; manage and pay your installments in the Klarna app.
OPTION 4 · MONTHLY FINANCING
Bread Pay
Bread Pay offers 6, 12, 24 or 36-month payment plans on eligible purchases. Prequalify in a minute with a quick application that won’t affect your credit score, then choose Bread Pay at checkout.
- 6, 12, 24 or 36-month plans*
- Rates starting at 0% APR*
- Checking your eligibility won’t affect your credit score
*Minimum purchase of $50 required. Availability of terms may vary based on purchase price and/or product. Down payment may be required. Rates range from 0.00% to 29.99% APR based on credit. Subject to approval of credit application. Bread Pay® loans are made by Comenity Capital Bank, a Bread Financial® company.
HOW IT WORKS
Three steps with Bread Pay
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Set up your Bread Pay account
Start the application from the Bread Pay option at checkout; it takes a couple of minutes.
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Get pre-approved
See the plans you qualify for and the fixed monthly payment for each before you decide.
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Check out with Bread Pay
Pick the plan you want and complete the order; payments run on the schedule you chose.
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