12 Best “Buy-Now Pay-Later” Sites for Home Furniture, Appliances, Decor

When you go shopping, you probably come across items that you’re interested in but can’t afford. Especially around the holidays, it can be difficult to purchase all of the items that are on your shopping list.

If you’re looking for a short-term financing option that can help you buy everything that you need for the loved ones in your life as well as for your home, you may want to learn about the buy-now pay-later payment scheme model.

Customers have the ability to purchase and take home a product, but they can pay for it later on.

Many companies offer this option, and the payments are interest-free. Once you’ve paid all of your installments in full, you don’t have to worry about any other fees or expenses.

There are different payment models available, so it’s important to look into the company that you’re considering buying from.

If your request for the buy-now pay-later option is approved, you’ll be required to put a small down payment towards the item. It’s typical for this amount to be around 25% of the purchase price.

In this article we have researched 12 of the best “buy-now pay-later” online sites where you can buy products for your home such as furniture, home décor, kitchen products, appliances etc.

#1 Venue

Venue allows you to shop from major brands (over one million brand name products) at more competitive price points.

You can purchase a variety of home products including bedding, furniture, cookware, home décor, lamps and even ceiling fans.

Their buy-now pay-later program allows you to pay for your items over time with low-interest payments.

They do have a promotion where you can purchase your items and pay for them without any interest rate for the next 12 months.

They have thousands of products for the home such as Appliances, Furniture, Décor, Bedding, Cookware, Home improvement etc.

Not only you will find great price deals, you will have also the option to pay in low weekly or monthly payments.

#2 Leaseville

LeaseVille is an online rent-to-own store that carries some of the hottest products on the market such as home security systems, home appliances, smart plugs, smart outlets, vacuums, furniture etc.

You don’t have to possess good credit in order to rent from LeaseVille, and there’s no commitment that you’re bound to.

You’ll receive a monthly rental plan with the option to rent-to-own. Your lease doesn’t apply to your credit report, and you have the option to return your items any time that you wish.

Approval is not guaranteed, and you’re required to have a steady income of a minimum of $1,200 per month for at least six months along with a current checking account that’s in good standing.

Products related to home include electrical appliances, furniture, mattresses, outdoor and garden tools, heating and cooling products and much more.

#3 Fingerhut

Fingerhut provides a few different options when it comes to financing your home purchases like appliances, bedding, generators, tools, floor care products and furniture.

Their Advantage Program is a traditional credit account that lets you build up your credit when you make a purchase. Fingerhut will even raise your credit limit when you make three payments on time.

There is also the Fingerhut Fresh Start program. A $30 down payment is applied toward your purchase. You can build up your credit score as you pay your items off. There are no hidden fees, and you’ll know what you’re paying each month.

They offer thousands of products for the house such as furniture, tools, home improvement, patio and garden product and so much more.

#4 FlexShopper

It takes just minutes to apply for FlexShopper, and you’ll start out with a spending limit of $2500.

You can shop from all of the latest product releases from cell phones to fitness equipment and all popular products needed for the home.

They also sell a variety of smart home equipment like security cameras, thermostats and smart outlets.

Your electronic lease agreement details your payment plan, and your items will be shipped to your home from their trusted retailers such as Amazon, Best Buy, Overstock etc.

You can even pick up your items from your local Best Buy store.

For convenience purposes, you can select the automatic payment option to have your payment amount automatically deducted from your bank account each week.

You have one year to pay the item off, and you have the option to pay it off early. Then it’s yours!

Product categories for the home include TV and home theaters, kitchen appliances, garage and outdoors, mattresses and much more.

#5 Apt2B

Apt2B has a “buy-now pay-later” and also a “decide-later” option (for upholstery fabrics) that gives you time to decide if you really love what you’ve picked out.

This allows you to lock in a sale price, and you can make your final product selection when you’re ready. They offer 10 free swatches so you can make the right decision.

You can also pay for your items with a monthly payment plan that comes with no hidden fees, competitive rates that are as low as zero-percent for 12-month / 24-month loans, and no pre-payment penalties.

This site is almost exclusively focused on products for the home such as sofas, dining room furniture, bedroom products, home décor and much more.

#6 Stoneberry

Stoneberry offers credit lines of up to $1000. You can monitor your credit approval process and payments online, check your balance and much more.

Your down payment amount is determined by a number of factors that include your credit history, the price of the item, etc.

They have a big selection of home furniture and kitchen and dining products.

#7 AfterPay

AfterPay allows you to buy an item now while paying for it later on. They offer home décor items, bedding, furniture and dining items to name a few.

When you sign up and get the Afterpay app, you will be able to shop online and select the Afterpay option as payment method.

After you pay the first installment payment, you will have over 6 weeks to pay off the rest of the 3 payments (total of 4 payments). Doing this, will cost you nothing in terms of extra interest.

AfterPay will pay for the item for you (to the merchant), and you will be responsible for paying them back.

#8 LutherSales

It takes just three minutes to complete the LutherSales credit application. You don’t have to have a credit card to apply, and you’ll be set up with low monthly payment amounts.

No delivery fee is included on the name-brand home items that you select from companies like Kitchenaid, HE, Cuisinart, Apple and more. You have up to 36-months to pay for your items.

They offer furniture, electronics, cell phones, appliances and more.

#9 Ginny’s

You can open a Ginny’s credit account by doing your shopping conveniently online and placing your items in your cart.

They offer decorative home items, lighting, rugs, slipcovers, etc. When you check out, you will select “Open a New Ginny’s Credit Account’.

After submitting a few answers, you’ll be approved and can finish your transaction.

Your monthly payment can be as low as $10 in many cases, and you can log onto their website anytime to check your balance information or to make a payment.

#10 Midnight Velvet

Midnight Velvet offers a variety of home items such as high end bedding, bedroom furniture, accent furniture, lighting, clocks and other home décor.

You can also purchase your special occasion dresses, jewelry and other accessories using the Midnight Velvet buy-now pay-later program.

Payments start at $20 per month, and your account can be securely accessed online. When you pay on time, you’ll earn a higher limit moving forward.

#11 Montgomery Ward

Select Wards Credit when you’re completing your purchase of housewares, seasonal items, wall décor and even flooring.

You can easily pay your monthly amount, which can be as low as $10. You can use this process to improve your credit score, and earn higher limits as you make your payments on time.

Even if you have bad credit, you may still qualify for the Wards flexible down payment option.

#12 HomePlus

Your credit score won’t hold you back from applying for financing through HomePlus.

HomePlus sells furniture and accessories for your home at affordable pricing.

You can pick out a new sofa, end tables, coffee table, vanity table, mattress, dresser and so much more.

In addition to a buy-now pay-later program, they offer a number of discounts and coupons to lower your payment amount.

A credit score in the low 500’s can get you approved for financing, so it’s worth a shot if you’re in need of items for your home.

Final Words

Make sure that you understand the payment terms that you’re agreeing to. Each company is different, any one may charge interest or fees that another one does not.

The method of payment may vary as well. A little bit of research ahead of shopping can ensure that you’re making a wise financial choice.

There’s no reason you can’t obtain new items for gifts or for your home without breaking the bank.

While you probably don’t need a long-term financing option, something short-term can provide you with what you need while actually helping your financial standing.