Financing
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?
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.
Or choose between...
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 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.
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.
