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Introducing Buy Now, Pay Later

Shop now. Pay later. Make 4 interest - free payments with Afterpay.

Afterpay is here! Take your purchase home today and pay for your products over four interest - free payments*. Pay only 25% today! When inspiration strikes, say yes with confidence—knowing you'll never pay a penny more than your purchase price.

Flexible monthly payment options

Choose 3, 6, or 12 monthly payments. For example, a $600 purchase might cost $200 per month over 3 months.

Pay in 4
Split the cost of your purchase into 4 payments, paidevery 2 weeks. Just more time to pay for the things you love.
Pay in 30 days
Start enjoying what you've ordered right away. Makepayments online or in the Afterpay app after trying theproduct IRL. Only pay for what you keep.
Monthly financing
Our transparent credit options offered in partnership withWebBank, member FDlC, give you flexible financing youneed to seamlessly shop larger purchases.

How to use Buy Now, Pay Later

With Affirm, pay in 4 interest-free installments**. Shop now and pay only 25% today. You can then pay for the rest of your purchase over six weeks and there are no fees when you pay on time.

Fill Your Cart
Select Affirm at checkout, then enter a few pieces of info for a real-time decision.
Choose How You Pay
Pick the monthly payment plan you like best. You’ll never pay more than you agree to up front.
Pay Over Time
Make payments at affirm.com or in the Affirm app. You’ll get email and text reminders.
Payment options through Affirm are subject to eligibility, may not be available in all states, and are provided by these lending partners: affirm.com/lenders. CA residents: Loans by Affirm Loan Services, LLC are made or arranged pursuant to a California Finance Lenders Law license.

Frequently asked questions

Most frequent questions and answers

Afterpay is a service that allows us to offer our customers the ability to make purchases now and pay for them over time. Customers using the pay-in-4 option pay for their purchase total in four interest-free installments over six weeks. To learn more, visit www.afterpay.com.

Simply shop online and add items to your shopping bag and checkout as normal. At the checkout choose Afterpay as your payment method. First-time customers will need to register with Afterpay and provide payment details, and returning customers simply log in to make their purchase. It’s that easy! Please note that all items in your shopping bag must be eligible for Afterpay. You must meet additional eligibility requirements to qualify.

Afterpay does not charge interest when a customer chooses to split their purchase into four payments. There are also no late fees when payments are made on time! If a customer does miss a payment, they may be charged a late fee. They should read their Afterpay Installment Agreement for full terms and to learn more.

To sign up for Afterpay, certain eligibility requirements apply, customers must:

  • Be at least 18 years old (19 in Alabama or if a ward of the state in Nebraska).
  • Provide a valid phone number and email address.
  • Be a US resident who resides in one of the 50 states or the District of Columbia.

Check out www.afterpay.com for more information.

*You must be 18 or older, a resident of the U.S. and meet additional eligibility criteria to qualify. For access to in-store, additional verification may be required. Late fees may apply. See http://afterpay.com for complete terms. Loans to California residents made or arranged pursuant to a California Finance Lenders Law license.

NO CREDIT CHECK REQUIRED

Bring it home
today. Pay your
way.

Split any purchase into simple payments with Affirm, Klarna, or Afterpay — chosen at checkout. Most decisions are instant, and checking your eligibility never affects your credit score.

Soft credit check only
Instant decision
0% APR options available
No hidden fees
ESTIMATE YOUR PAYMENTS
$
12 mo · 0% APR
$208/mo
Pay in 4 · 0% interest
$623/payment
Pay in 4 · 0% interest
$623/payment

CHOOSE YOUR PLAN

Three ways to split the cost

All three are selected directly at checkout — no separate application needed beforehand. Pick whichever fits your budget best.

MOST FLEXIBLE
Monthly installments
$208/mo
Example on a $2,490 order · 12 months · 0% APR
Choose 3, 6, or 12 month plans
Rates from 0%–36% APR based on eligibility
Real-time decision, most under 60 seconds
Never any late fees
FASTEST CHECKOUT
Pay in 4, interest-free
$623/payment
Example on a $2,490 order · 4 payments · 0% interest
25% due today, rest over 6 weeks
Always interest-free on Pay in 4
No hard credit check to get started
Manage payments in the Klarna app
SIMPLEST TERMS
Pay in 4, interest-free
$623/payment
Example on a $2,490 order · 4 payments · 0% interest
25% due today, rest every 2 weeks
No fees if you pay on time
Approval decisions in seconds
Email & text payment reminders
affirm

Monthly payments, your way

Affirm is best for larger sofa purchases where you want predictable monthly payments spread across 3, 6, or 12 months. Every plan shows your full cost upfront — no surprises, no compounding interest, no late fees ever.

1
Select Affirm at checkout
Add your sofa to cart, proceed to checkout, and choose Affirm as your payment method.
2
Get a real-time decision
Enter a few pieces of information. Affirm gives you a decision instantly — most take under a minute.
3
Pick your monthly plan
Choose the payment schedule that fits your budget. You'll see the exact monthly amount before confirming — never more than you agreed to.
4
Pay at affirm.com or in the app
Make payments through the Affirm website or mobile app. You'll get email and text reminders before each due date.
TERMS AT A GLANCE
Payment plans3, 6, or 12 months
APR range0%–36%, based on credit
Credit checkSoft pull to pre-qualify
Late feesNone, ever
Early payoffNo penalty
LenderWebBank, Member FDIC
Checking your eligibility with Affirm is a soft credit check and does not affect your credit score.
EXAMPLE: $2,490 SOFA · 12-MONTH PLAN
$208.35 / month
MO 1
$208
MO 2
$208
MO 3
$208
···
···
MO 12
$208
Klarna

Pay in 4 — always interest-free

Klarna's Pay in 4 splits your purchase into four equal payments, due every two weeks, with zero interest — regardless of your credit history. It's the fastest way to check out if you want a short, predictable payment window.

1
Choose Klarna at checkout
Select Klarna as your payment method on the checkout page and choose "Pay in 4."
2
Pay 25% today
Your first of four equal payments is charged automatically when your order is placed.
3
3 more payments, every 2 weeks
The remaining balance is automatically charged to your card every two weeks until paid in full — six weeks total.
4
Track it all in the Klarna app
See upcoming payments, adjust your card on file, and get reminders before each charge.
TERMS AT A GLANCE
Payment plan4 payments, every 2 weeks
Interest0%, always
Credit checkSoft check only
Down payment25% due at purchase
Late feesMay apply if missed
Total repayment window6 weeks
Missing a scheduled payment may result in a late fee. Review Klarna's payment agreement for full terms at klarna.com.
EXAMPLE: $2,490 SOFA · PAY IN 4
$622.50 / payment
TODAY
$623
WK 2
$623
WK 4
$623
WK 6
$623
afterpay

Pay in 4 — simple, always interest-free

Afterpay works almost identically to Klarna's Pay in 4 — four equal, interest-free installments — with its own app for tracking payments. Available to US residents 18 and older with a valid phone number and email.

1
Choose Afterpay at checkout
Select Afterpay as your payment method when you check out.
2
Pay only 25% today
Your order ships right away — you only pay a quarter of the total to get started.
3
3 more payments over 6 weeks
The rest is automatically split into three more equal payments, charged every two weeks.
4
No fees if you pay on time
Zero interest is charged when payments are made on schedule. Missed payments may incur a late fee — read your Afterpay Installment Agreement for full terms.
WHO CAN USE AFTERPAY
Minimum age18 (19 in AL)
ResidencyUS resident, 50 states + DC
Required infoValid phone + email
Interest0%, always
In-store useAdditional verification may apply
No interest is ever charged with Afterpay's Pay in 4 — the only cost is a possible late fee if a payment is missed.
EXAMPLE: $2,490 SOFA · PAY IN 4
$622.50 / payment
TODAY
$623
WK 2
$623
WK 4
$623
WK 6
$623

SIDE BY SIDE

Which plan is right for you?

All three options are interest-free or can be — the difference is in payment structure and timing.

Feature Affirm Klarna Afterpay
Payment structure 3, 6, or 12 monthly payments 4 payments, every 2 weeks 4 payments, every 2 weeks
Interest rate 0%–36% APR (varies by plan) 0% always on Pay in 4 0% always
Down payment required None typically 25% due at purchase 25% due at purchase
Best for Large purchases, longer terms Fast, short-term splits Fast, short-term splits
Credit check type Soft check to pre-qualify Soft check only Soft check only
Late fees Never charged May apply if missed May apply if missed
Early payoff penalty None None None
Manage payments via affirm.com or Affirm app Klarna app Afterpay app

BEFORE YOU APPLY

Who qualifies

General eligibility guidelines across all three providers — final approval and terms are determined by each provider individually at checkout.

01
Basic requirements
18 years or older (19 in Alabama)
US resident — 50 states + DC
Valid phone number and email address
Valid debit or credit card
02
What providers check
A soft credit inquiry — never affects your score
Your purchase history with that provider
Basic identity verification
Some plans may require a hard credit check (Affirm, longer terms only)
03
Good to know
Approval amounts vary by provider and purchase
You can use a different provider for different orders
Returns are processed the same way regardless of payment method
Contact the provider directly for account-specific questions

QUESTIONS

Financing FAQs

Will checking my eligibility hurt my credit score?
No. Checking your eligibility with Affirm, Klarna, or Afterpay is a soft credit inquiry, which does not affect your credit score. If you proceed with an Affirm installment plan, your payment history may be reported to credit bureaus going forward.
Which option should I choose?
If you want the smallest possible individual payment spread over the longest time, choose Affirm's 12-month plan. If you want to pay off your order quickly in just 6 weeks with no interest at all, Klarna or Afterpay's Pay in 4 is simpler and faster.
Can I return an item I purchased with financing?
Yes. Returns follow our standard Returns & Refunds Policy. Once we process your return, the refund is issued back through your financing provider, who will adjust or cancel your remaining payments accordingly.
Is there a minimum or maximum purchase amount?
Each provider sets its own minimums and maximums, and approval amounts vary based on your eligibility. Most sofa purchases on our site qualify for all three options — you'll see exactly what you're approved for at checkout.
Do I need to create an account before checkout?
No — you select your financing provider directly at checkout and complete a quick application in the same flow. No separate pre-application is required, though you're welcome to pre-qualify on the provider's site beforehand if you prefer.
What happens if I miss a payment?
Affirm never charges late fees. Klarna and Afterpay may apply a late fee if a scheduled payment is missed — the exact amount is disclosed in your agreement with that provider before you confirm your plan. We recommend enabling payment reminders in each provider's app.
Can I pay off my plan early?
Yes, with all three providers. There is no prepayment penalty — paying early may also reduce the total interest owed on Affirm plans that carry a rate above 0%.
Is my payment information secure?
Yes. All three providers are independently PCI-DSS compliant and handle your payment data directly — Intuition Decor never sees or stores your card details when you check out with financing.
Ready to bring your sofa home?
Choose your plan at checkout. No commitment until you complete your order.
Payment examples shown are illustrative only, based on a $2,490 purchase, and do not constitute an offer of credit. Actual terms depend on your creditworthiness and are determined by each provider. Affirm: Payment options through Affirm are provided by Affirm's lending partners. Rates range from 0–36% APR based on credit; the Affirm Pay in 4 option is always 0% APR. A down payment may be required. Options depend on purchase amount and may vary. See affirm.com/terms for details. The Affirm Money Account is held with Cross River Bank, Member FDIC. Klarna: Pay in 4 is available to eligible customers and subject to a soft credit check. Late fees may apply for missed payments. See klarna.com for full terms. Afterpay: Pay in 4 is interest-free; late fees may apply for missed payments. Must be 18+ (19 in Alabama, or a ward of the state in Nebraska), provide a valid phone and email, and be a US resident. See afterpay.com for full terms.