Updated: April 5, 2022

The main photo is courtesy of Lulu and Georgia, from a recent interview they conducted with San Francisco-based designer Christine Lin

A curated list of high-quality furniture & home goods stores that currently accept Affirm, the popular BNPL (Buy Now Pay Later) alternative to credit cards.

Given that you landed on this article, you are likely already familiar with Affirm. Just in case you are not, here’s a good overview of Affirm’s Buy Now Pay Later (BNPL) offerings, as well as other leading BNPL programs.

If you plan to make significant purchases within the Home Goods & Furnishings retail space, you will be pleased to know that Affirm is available at a large number of quality home furnishings & décor providers.

Keep in mind that this list is up to date as of April 5, 2022, so program details are subject to change. If you know of any stores that accept Affirm that are not on this list, please let us know in the comments section below, or through our “Contact Us” form.

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What to Look for When Searching Stores that Accept Affirm

Besides knowing which of your favorite stores currently accept Affirm, always keep an eye on shops that offer 0% APR rates. This implies that a store does not charge any interest for the shortest payment term offered (typically 3 or 6 months). Higher priced products are more likely to have longer 0% periods, going as long as 12 months, and in some unique cases even as long as 24 months!

Even if a store offers 0% APR, not all customers may qualify, depending on one’s credit worthiness. Also, 0% APR rates may not be available on all products enabled for Affirm within a given store.

Some stores may explicitly state which product categories are and are not eligible for deferred payments with Affirm. A good example of this type of helpful upfront transparency is Walmart. In their case, Home Improvement is one of their eligible categories. With Walmart and other marketplaces, also keep in mind that Affirm would not be available when purchasing products from third-party resellers.

Other types of restrictions placed on what can be purchased and where, include a minimum price threshold and specific retail channels. For example Staples has a $150 minimum price threshold and only accepts Affirm in their physical stores.

Geographic restrictions by state may also apply. For example Beautyrest does not currently accept Affirm in Iowa or West Virginia. Williams Sonoma also states that Affirm is not currently available in all states.

True to Affirm’s mission of providing easy to understand and transparent financing services, all pertinent details will be accessible a click away for the given item that you may be considering.


Furniture Stores & Home Brands that Currently Offer 0% APR with Affirm

With the exception of McGee & Co., Boll & Branch and Revival Rugs, all of these links go to a page with the current Affirm program details to confirm if a vendor’s 0% offer is still available. For McGee & Co., Boll & Branch and Revival Rugs, you can find current details via the Affirm link listed on their respective eligible product pages.


Popular Furniture & Home Goods Stores that Accept Affirm


Popular Home Appliance & Product Brands that Accept Affirm


Popular Bedding & Mattress Companies that Accept Affirm


Popular Home Décor & Rug Stores that Accept Affirm


Popular Home Department Stores that Accept Affirm


Additional Affirm Resources


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