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.
Three ways to split the cost
All three are selected directly at checkout — no separate application needed beforehand. Pick whichever fits your budget best.
Example on a $2,490 order · 12 months · 0% APR
Example on a $2,490 order · 4 payments · 0% interest
Example on a $2,490 order · 4 payments · 0% interest
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.
Select Affirm at checkout
Add your sofa to cart, proceed to checkout, and choose Affirm as your payment method.
Get a real-time decision
Enter a few pieces of information. Affirm gives you a decision instantly — most take under a minute.
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.
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.
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.
Choose Klarna at checkout
Select Klarna as your payment method on the checkout page and choose “Pay in 4.”
Pay 25% today
Your first of four equal payments is charged automatically when your order is placed.
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.
Track it all in the Klarna app
See upcoming payments, adjust your card on file, and get reminders before each charge.
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.
Choose Afterpay at checkout
Select Afterpay as your payment method when you check out.
Pay only 25% today
Your order ships right away — you only pay a quarter of the total to get started.
3 more payments over 6 weeks
The rest is automatically split into three more equal payments, charged every two weeks.
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.
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 |
Who qualifies
General eligibility guidelines across all three providers — final approval and terms are determined by each provider individually at checkout.
Basic requirements
What providers check
Good to know
Financing FAQs
Will checking my eligibility hurt my credit score?
Which option should I choose?
Can I return an item I purchased with financing?
Is there a minimum or maximum purchase amount?
Do I need to create an account before checkout?
What happens if I miss a payment?
Can I pay off my plan early?
Is my payment information secure?
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.