What Furniture Stores Accept Affirm? Your Comprehensive Guide to Financing Your Dream Home

Affirm has become a popular buy-now-pay-later (BNPL) option, allowing shoppers to furnish their homes without breaking the bank. Many furniture retailers have embraced this financial flexibility, making dream spaces more attainable.

Furniture Retailers Offering Affirm: A Broad Overview

While the landscape is constantly evolving, many reputable furniture stores currently accept Affirm. These fall into several categories, from online giants to specialized brick-and-mortar establishments. Here’s a rundown:

• Major Online Retailers: Companies like Wayfair, Overstock, and Amazon (select products) are leading the charge, offering Affirm at checkout. This provides a vast selection of styles and price points. These are some of the best places to start.
• Direct-to-Consumer Brands: Many modern furniture brands focusing on online sales, such as Burrow, Article, and Floyd, offer Affirm to make their stylish pieces more accessible. This is increasingly important for attracting millennials and Gen Z customers.
• Traditional Furniture Chains: Some larger furniture store chains are also catching on, including Raymour & Flanigan. While not all locations may participate, it’s worth checking with your local store.
• Specialty Furniture Stores: Stores specializing in mattresses (like Casper and Purple) or outdoor furniture may also offer Affirm. Always look for the Affirm logo during online browsing or inquire in-store.

Important Note: It’s crucial to confirm that a specific store location or online product page accepts Affirm before making a purchase. Retailer policies can vary. You should check the payment options displayed at checkout or contact the store directly to verify. Also, be sure to check the terms and conditions of the Affirm loan, including interest rates (APRs), monthly payments, and any associated fees.

Why Furniture Stores Choose Affirm

Affirm benefits both the consumer and the retailer. For consumers, it unlocks immediate access to desired furniture with manageable payment plans. For furniture stores, offering Affirm translates to:

• Increased Sales: Customers are more likely to make larger purchases when given flexible payment options.
• Broader Customer Base: Affirm can attract customers who might otherwise be hesitant to buy due to budget constraints.
• Competitive Advantage: In a crowded market, offering BNPL can differentiate a furniture store from its competitors.
• Higher Average Order Value: Customers tend to spend more when they have the option to spread out payments.

By partnering with Affirm, furniture stores create a win-win scenario that fuels growth and enhances customer satisfaction.

Navigating Affirm at Checkout: A Step-by-Step Guide

Using Affirm to finance your furniture purchase is usually a straightforward process. Here’s what you can expect:

1. Shop and Add Items to Your Cart: Browse the furniture store’s selection and add the desired items to your shopping cart.
2. Proceed to Checkout: Initiate the checkout process as usual.
3. Select Affirm as Your Payment Method: Look for the Affirm logo among the payment options.
4. Complete the Affirm Application: You’ll be redirected to Affirm’s website or a secure portal to complete a brief application. This involves providing personal information and undergoing a credit check.
5. Review and Accept Loan Terms: If approved, you’ll be presented with the loan terms, including the interest rate (APR), monthly payment amount, and loan duration. Carefully review these terms before accepting.
6. Confirm Your Order: Once you’ve accepted the loan terms, Affirm will authorize the purchase, and you can finalize your order on the furniture store’s website.
7. Manage Your Payments: You’ll make monthly payments directly to Affirm through their website or mobile app.

FAQs About Using Affirm for Furniture Purchases

1. What credit score do I need to be approved for Affirm?

Affirm does perform a credit check, but they consider more than just your credit score. While there’s no minimum score requirement, a good to excellent credit score increases your chances of approval and may result in more favorable interest rates. Factors like your credit history, income, and debt-to-income ratio also play a role.

2. Does Affirm charge interest?

Yes, Affirm typically charges interest on its loans. The interest rate (APR) will vary based on your creditworthiness and the terms of the loan. It’s crucial to carefully review the APR before accepting the loan. Look for 0% APR offers, which some retailers provide for qualified customers.

3. Are there any fees associated with Affirm?

Affirm doesn’t typically charge late fees or prepayment penalties. However, it’s always best to double-check the specific terms of your loan agreement to confirm. If a payment is missed, late payments can negatively affect your credit score.

4. Can I return furniture purchased with Affirm?

Yes, you can usually return furniture purchased with Affirm, subject to the furniture store’s return policy. If you return an item, Affirm will process a refund for the outstanding loan balance. Make sure to understand the retailer’s return window and any associated restocking fees.

5. How long does it take to get approved for Affirm?

The approval process is usually very quick, often taking only a few seconds or minutes. Affirm uses automated technology to assess your creditworthiness and make a decision promptly.

6. Can I use Affirm at brick-and-mortar furniture stores?

Yes, many brick-and-mortar furniture stores also offer Affirm as a payment option. Check with the store directly or look for the Affirm logo at the checkout counter.

7. Can I pay off my Affirm loan early?

Yes, you can typically pay off your Affirm loan early without any prepayment penalties. Paying off your loan early can save you money on interest charges.

8. What happens if I can’t make my Affirm payments?

If you’re struggling to make your Affirm payments, contact Affirm as soon as possible. They may be able to offer assistance or alternative payment arrangements. Missing payments can negatively impact your credit score.

9. How do I manage my Affirm account?

You can manage your Affirm account through their website or mobile app. This allows you to view your loan balance, make payments, and track your payment history.

10. Is Affirm safe and secure to use?

Affirm uses industry-standard security measures to protect your personal and financial information. They encrypt your data and comply with strict security regulations.

11. Can I use Affirm for all furniture purchases?

Affirm’s availability depends on the specific furniture store and the value of the purchase. Some stores may have minimum or maximum purchase amount requirements for using Affirm. Always verify that Affirm is an option for your particular purchase.

12. Are there alternatives to Affirm for financing furniture?

Yes, there are other BNPL services and financing options available. Some alternatives include Klarna, Afterpay, credit cards, and personal loans. Compare the terms and interest rates of different options to determine the best fit for your needs.

Ultimately, knowing which furniture stores accept Affirm gives you greater flexibility in creating the home you’ve always dreamed of.