Pay over time with Shop Pay Installments
Split your order into interest-free payments, or spread it over 3, 6 or 12 months. No surprises, no hype.
Two ways to spread the cost
Split it in 3 or 4
0% APRAvailable on orders up to $999.99. Pay every two weeks, with nothing added to the price you see on the product page.
Spread it over 3, 6 or 12 months
15% APRFor larger orders — a sectional, a dining set, a full room — up to $30,000.00. Interest is shown up front, before you agree to anything.
What you can choose, by order size
| Order total | Your options |
|---|---|
| $150.00 – $999.99 | 3 or 4 payments at 0% APR, or 3, 6 or 12 months at 15% APR |
| $1,000.00 – $30,000.00 | 3, 6 or 12 months at 15% APR |
Shop Pay Installments is provided by Affirm. The rates above are the published terms for this store and depend on eligibility — your actual options are confirmed by Affirm before you agree to anything.
How it works
Choose your piece
The instalment figure is shown under the price on every product page, so you know the monthly cost before you commit.
Select Shop Pay Installments
Pick it as your payment method at checkout and enter a few details.
See your options
Affirm shows the plans you qualify for, with the total cost of each spelled out.
Pay over time
Your order is placed straight away. Delivery, assembly and warranty work exactly as they would on any other order.
Good to know
- Checking your options is a soft credit check — it does not affect your credit score.
- The total cost, including any interest, is shown before you agree to a plan.
- Financing changes nothing else about your order: same delivery by our own team, same assembly, same one-year warranty.
- You pay Affirm directly after checkout, on the schedule you chose.
- If you return something, the refund is processed back through Affirm and your remaining balance is adjusted.
Financing FAQ
Does applying affect my credit?
Checking your options does not affect your credit score. Affirm runs a soft check to show what you qualify for.
What can I finance?
Orders up to $30,000.00 are eligible, which covers everything we sell — sofas, sectionals, sofa beds, dining sets and mattresses.
How do I choose it?
Select Shop Pay Installments at checkout, or tap the instalment message shown under the price on any product page.
Will I pay interest?
Not on the 3- and 4-payment plans, which are 0% APR. The 3, 6 and 12-month plans carry 15% APR, and the exact interest is shown before you agree.
What happens if I return my order?
Start the return with us as usual. Once it is processed, the refund goes back through Affirm and your remaining payments are adjusted accordingly.
Can I pay it off early?
Yes. You can pay the balance off ahead of schedule through your Affirm account.
Can I use it in the showroom?
Shop Pay Installments is offered at online checkout. If you are buying in the showroom, ask our team and we will walk you through the options.