What Furniture Stores Use Affirm for Purchases?

Affirm allows consumers to acquire home furnishings without an upfront lump sum payment. This financial tool breaks down the total cost into manageable installments, providing a flexible budgeting solution for significant household investments. It helps spread expenses over time, enabling timely upgrades or necessary replacements.

Identifying Furniture Stores Accepting Affirm

Many prominent furniture retailers and home goods stores offer Affirm as a payment option. Examples include Wayfair, Ashley Furniture, West Elm, Pottery Barn, Overstock, Costco, and Star Furniture. Affirm is also available across various online marketplaces and dedicated furniture sites.

To determine if a store accepts Affirm, check the payment options section on the retailer’s website, typically found during checkout. Many stores display the Affirm logo prominently. Affirm also provides an official store directory and a mobile application to search for participating retailers. Always verify current payment options directly on the retailer’s site, as partnerships and offerings can change.

Steps to Use Affirm for Furniture Purchases

When purchasing furniture online, selecting Affirm as a payment option occurs during the checkout phase. After adding items to the cart, customers proceed to checkout and choose Affirm from the available payment methods. This selection redirects the user to Affirm’s platform to complete a brief application process involving entering personal details and undergoing a soft credit check that does not impact the credit score. Affirm then presents various loan terms, detailing monthly payment amounts, interest rates, and the total cost of the loan. Once a suitable plan is chosen and confirmed, the purchase is finalized, and the customer is redirected back to the retailer’s website.

For in-store furniture purchases, use the Affirm mobile application or website. Before or during the in-store visit, customers can apply for pre-approval or a one-time-use virtual card through the Affirm app. This virtual card functions like a debit or credit card and can be added to a digital wallet like Apple Pay or Google Pay for seamless transactions. Upon checkout, the customer presents the virtual card details or a generated barcode to the store associate to complete the payment. The Affirm app provides reminders for upcoming payments, ensuring customers stay informed about their repayment schedule.