Why pay later for furniture with Zip?

You can use Zip to pay later from a closet organization update to an entire living room revamp. By financing new furniture with payment plans from Zip, you can give your home that dream makeover with easy payments. You can also use short-term furniture financing to boost your warranty coverage. You don’t have to forgo taking out an additional warranty on your furniture because it adds to the up-front costs of purchasing a new living room or bedroom set. With Zip, you can include warranty costs in your purchase request as long as you include them in your initial order total from your merchant-of-choice. Then, simply pay off your order in installments, giving you peace of mind that your purchases are protected.

Jumpstart your home refresh

New furniture can be a big investment. When you use Zip, you can buy the quality furniture you want now and pay over time.

Make your space feel special

Don’t skip out on the finishing touches or special details that make your home feel like you. Zip gives you the flexibility to make convenient payments in installments that you pay later, freeing up cash in the present to pay for extras like wall artwork, picture frames, rugs, throw pillows and more.

Get the protection and warranties you need with short-term furniture financing options

New furniture is a big ticket item – and it will be a big part of your home for years to come. Don’t skip purchasing added protection for your investment just because it may cost a little more up-front! You can include furniture warranty costs in Zip purchase requests, so long as you add your warranty in your original order. Zip helps you stretch your budget so you can secure the purchase protection you need and pay over time.

Where can I buy now, pay later for furniture and home decor with Zip?

You can use Zip to shop online or in-store almost anywhere Visa™ cards are accepted, including your favorite retailers and websites.¹ Discover buy now, pay later home decor and furniture from best-selling brands like:

• Wayfair
• Overstock
• Home Depot
• Ikea
• Ashley Furniture
• Lowe’s
• Joybird
• West Elm
• Cb2
• Pottery Barn
• Casper
• And so many more! Check them out in the Zip app

How short-term furniture financing works:

1. Download the Zip app and search for your favorite furniture or decor store.
2. Create a one time virtual card in the app to pay for your furniture purchase.
3. All set! Make your 4 payments for your purchase with Zip over 6 weeks.¹

Furniture buy now, pay later FAQs

Where can I find affordable furniture?

The Zip app helps you find the best deals on furniture across the web. You can browse featured brands, shop by category, explore Zip Exclusives, and more in the Zip mobile app or by using the Chrome extension. Choosing the Pay with Zip option at checkout lets you make payments on furniture and decor over the course of 6 weeks, offering an affordable way to manage major purchases like sofas, dressers, and mattresses.¹

Where can I pay later for furniture with Zip?

The Zip app gives you the flexibility to pay later at almost any store or online retailer, including Wayfair, Overstock, Ikea, and more!¹

Can I pay later for home decor and furniture in-store?

Yes! With the Zip App or physical Zip Card, you can take Zip with you and pay later in-store¹ for bedroom sets, couches, outdoor furniture and more.

Can I pay later for furniture in-store?

Yes! With the Zip App or physical Zip Card, you can take Zip with you and pay later in-store for furniture.

Can I pay later for furniture online?

If you prefer to shop for furniture online, you can find the store you’re looking for in the Zip app and pay later online. Here’s how:

• Download the Zip app
• Search for your favorite store in the Zip app
• Tap “Pay with Zip” when you’re ready to checkout
• Zip pays for your purchase price and you pay in 4 over 6 weeks¹

Does buying furniture with payment plans incur interest?

One advantage of using Zip to buy now, pay later bedroom sets and other furniture is there is no compound interest. Zip offers you an easy-to-track installment plan with flat payment amounts and automatic reminders, making it simple and convenient to stay on top of your budget.

How good does your credit have to be to finance furniture?

Applying won’t hurt your credit score, either. When you request an installment plan, such as purchasing a couch with a payment plan, Zip performs a soft credit check that helps determine what amount of short-term furniture financing you qualify for.

¹Zip can only be used for US purchases. Certain merchant, product, goods, and service restrictions apply. For example, for a $335 purchase, you’d make four $85.25 payments every two weeks starting today for a 31.11% annual percentage rate and a total of payments of $341. A $6 installment fee is charged at commencement - you pay $1.50 of this fee as a prepaid finance charge when you make your initial payment today. The remaining $4.50 is included in your future payments. Actual installment fees vary and can range from $0 to $7.50 depending on the purchase price and Zip product used. Actual amount of fee for your purchase will be reflected at checkout. Estimation of installment payment and annual percentage rate excludes potential tax and shipping costs. Zip Pay Anywhere and Zip Checkout financing through Zip issued by WebBank. All loans are subject to credit approval. VISA is a trademark owned by Visa International Service Association and used under license.