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Home & Furniture

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Why pay later for furniture with Zip?

Use Zip to pay later for everything from a closet organization update or an entire entire living room revamp.

Jumpstart your home refresh without breaking the bank

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 pay later for the extras like wall artwork, picture frames, rugs, throw pillows and more.

Get the protection and warranties you need

Furniture warranties sometimes come at a premium but can be a worthwhile investment. Zip helps you stretch your budget so you can secure the purchase protection you need and pay over time.

Where can I pay later for furniture with Zip?

  • 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 it works:

  1. Download the Zip app and search for your favorite furniture 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


What app lets you buy now and pay later for furniture?

The Zip app lets you buy furniture now and pay later, online and in-store!

Where can I find affordable furniture?

The Zip app helps you find the best deals on furniture across the web.

Where can I pay later for furniture with Zip?

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

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

Can I pay later for furniture at Wayfair, Overstock, and Home Depot?

Yes! The Zip app gives you the flexibility to pay later where you want, including Wayfair, Overstock, Home Depot, and so much more!1


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 in 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, except for Zip-originated loans in CO, NV, MA, and MD. All loans are subject to credit approval."

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