Best Buy Now Pay Later for Furniture (2026)

Furnishing a home or apartment is expensive. BNPL financing has made it possible to get quality furniture now and spread the cost over months — often at 0% interest. Here’s the best way to finance furniture in 2026.

Wayfair: Best Overall for BNPL Furniture

Wayfair is one of the largest online furniture retailers and offers Affirm financing on most orders. 0% APR plans for 6 or 12 months are available on orders over $299. Their selection is massive — from budget sofas to high-end bedroom sets. Affirm’s soft-pull pre-check means you can see your options before committing.

Shop Wayfair with Affirm →

Ashley Furniture

Ashley HomeStore offers promotional financing through Synchrony Bank. Watch out for deferred interest: if you don’t pay off the balance within the promotional period, all interest charges apply retroactively from the original purchase date. Always aim to pay in full before the promotion ends.

Rent-to-Own Furniture: No Credit Check Alternative

For those who can’t qualify for BNPL financing, rent-to-own stores provide an accessible path to new furniture with no credit check. Aaron’s, Rent-A-Center, and FlexShopper all offer living room sets, bedroom sets, and dining furniture.

Browse Aaron’s Furniture →

How to Get the Best BNPL Deal on Furniture

• Use Affirm’s 0% APR offers — these beat store financing in most cases
• Plan purchases during Wayfair Way Day or holiday sales (BNPL still applies to sale prices)
• Check if the furniture retailer offers a store card with introductory 0% APR — sometimes longer terms are available this way