Financing

Affirm

We have teamed up with Affirm to offer easy financing without a catch. Provide some basic information and get a real time decision to split your purchase into monthly payments.

Affirm strives to keep you out of unhealthy debt by providing fair, transparent credit so you can pay over time for the things you love. They offer affordable monthly payments at a pace you choose—usually 3, 6, or 12 months—so you're in control. From day one, you know how long you'll pay, and you know how much you'll pay because they never charge late fees or other hidden fees.

How does it work?

Monthly Payments

FAQs

What is Affirm? How do I apply?

Affirm is a financing alternative to credit cards and other credit-payment products. Affirm offers instant financing for online purchases to be paid in fixed monthly installments usually over 3, 6, or 12 months (for example, on a $700 purchase, you may pay $63.18 for 12 months with a 15% APR). Choose Affirm Monthly Payments during online checkout or use the Online Application form for in-store and phone purchases.

What are Affirm's fees? Is there a minimum spend?

Your rate will be 0% APR or 10-36% APR based on credit, and is subject to an eligibility check. Payment options through Affirm are provided by these lending partners: affirm.com/lenders. Options depend on your purchase amount, and a down payment may be required. Affirm discloses any required fees upfront before you make a purchase, so you know exactly what you will pay for your financing. Affirm does not charge any hidden fees, including annual fees. Futonland offers Affirm financing on products priced over $500.

What’s an Affirm virtual card?

When you’re approved for a loan on our site or on affirm.com, you will have the loan amount loaded onto a virtual VISA card. It's meant to be used one-time only, at Futonland, either online or in-store. There are three places to access your virtual card: in the Affirm app, in your account on the Affirm website, or via the confirmation email we send you after you request the card. When paying with your virtual card online, it works like a standard credit card. At checkout, choose credit card as your payment method, then enter the card number and other requested information.

Does Affirm report to any credit bureaus?

For some purchases, Affirm will report to Experian.

These things won’t affect your credit score:

  • Creating an Affirm account
  • Seeing if you prequalify

These things may affect your credit score:

  • Making a purchase with Affirm
  • Your payment history with Affirm
  • How much credit you've used
  • How long you’ve had credit

It usually takes between 30–60 days for your loan and payment history to appear on your credit report.

See all FAQs

 

Or choose between...

 

PayPal Credit

Buy now, pay over time with PayPal Credit. PayPal Credit is a digital, reusable credit line available to purchase goods and services from thousands of online stores. Use PayPal Credit to shop anywhere PayPal is accepted, and get 6 months special financing on purchases of $99+ every time you shop.

Interest will be charged to your account from the purchase date if the balance is not paid in full within 6 months. Minimum monthly payments required.

 

Snap Finance

Snap Finance offers consumer loans to all credit types, but it especially helps those who've had credit challenges in the past and may not qualify for traditional financing. Snap's application is easy, and you'll find out in seconds if you've been approved.

To apply, you'll need to:

  • Be of legal age to enter into a contract
  • Have a monthly income of at least $1,000
  • Have an active checking account
  • Provide a valid email address and smartphone number
  • With approvals up to $5,000, don't wait – get what you need today with Snap!

*The advertised financing may be originated by one of several lenders. All loans or retail installment contracts originated by our lending partners will be serviced by Snap Finance LLC. For more detailed information, please visit this link.

 

Synchrony

Apply in person for a no-interest furniture financing plan through Synchrony Bank, an industry leader with more than 45 years of experience.

Minimum purchase is $1,000 for 6 month, $2,000 for 12 month, and $3,000 for 18 month finance offer. The promotional period starts when you receive your products. If you pay the purchase price in full by the end of the promotional period, all of the accrued interest will be waived and no finance charges will be assessed on the purchase. If you do not pay the purchase price during the promotional period, all of the accrued interest will be assessed and posted to your account immediately following the end of the promotional period. Calculate your monthly payments here.

 

5 Stars

Smooth delivery and comfy futon mattress

First time buying from Futonland so wasn’t sure what to expect. The delivery experience went very smoothly, I got several calls to set up and confirm delivery times. The futon mattress itself is very comfortable, no weird smells (bought the Wool Wrap Cotton And Double Foam 8 Inch Futon Mattress by Gold Bond). It’s tough to fold the mattress as a sofa though, you need two people. Overall a great online shopping experience
James
5 Stars

I was a little bit nervous ordering

I was contacted by Futonland the next day to confirm the purchase. Shipping was quick, there was a one week delay by the shipping company but I was kept informed of the delay. Delivery was very good.
Kim
5 Stars

Excellent product and good process

Timely delivery, friendly and efficient assembly process, and most important, really superb bunk bed and mattresses. Thank you!
Michael
5 Stars

Excellent quality of the furniture

Pay extra for the assembly of the futon even though I found it to be expensive and still question the cost. The delivery was on time and the technicians did assemble the futon and dispose of the packaging. They did well to check final step of assembly for any missed steps or imperfections with the furniture.
Pat
5 Stars

Very happy with murphy bed and excellent delivery service

Our murphy bed arrived earlier than expected, in great shape and was not difficult to put together. The people who delivered it went above and beyond to help us and were very kind. We really appreciated their great service. The mattress seems comfortable and there is plenty of extra room for storing sheets and a comforter. Would definitely buy from Futonland again!
Briana
5 Stars

Very well done beginning to end

First I actually got to speak To a human. He knew the products and was able and willing to discuss my needs and wants and make recommendations. He also checked inventory to be sure the item was available rather than getting all the payment info hen sending an email saying - oops, it's backordered.
Caroline
5 Stars

Very seamless experience

The salesperson and delivery team were very professional and friendly and answered all my questions.
Mallory
5 Stars

All points of service were on point!

Everyone involved in the points of service -- from my telephone order inquiry to the delivery of my new futon mattress -- was courteous, friendly, knowledgeable and efficient.
Eric
5 Stars

Great from start to finish

The futon we purchased is beautiful! It was easy to assemble because the video instruction was well done. I’m so glad that we purchased a better mattress for this futon. It’s comfortable for sleeping and sitting. The whole experience was great from beginning to end. Thank you!
Maria
5 Stars

Delivered promptly

Men were helpful in disassembling old couch to make it manageable, and readjusting the rug.
Hillel
5 Stars

Futonland to the rescue

My husband and I are so pleased by the integrity of Futonland. We had problems with the delivery company, and the people at Futonland, Patrick, Irena and Eddie, advocated for us.
Mr and Mrs Gallagher
5 Stars

Fantastic!

We are very happy with our purchase, easy to assemble, comfortable and convenient, highly recommend!
Sara