Buying new furniture can be expensive, but with Afterpay, you can split the cost into four interest-free payments. Many online and brick-and-mortar furniture stores now accept Afterpay, making it easier to furnish your home without breaking the bank. In this guide, we'll walk you through the best furniture stores that accept Afterpay, how to use it, and tips to avoid common pitfalls.
Top Furniture Stores That Accept Afterpay
Here are some popular furniture retailers that accept Afterpay for both online and in-store purchases:
- Wayfair – One of the largest online furniture retailers, Wayfair offers a huge selection of sofas, beds, tables, and decor. Afterpay is available on orders up to $1,000.
- Ashley Furniture – A trusted brand with physical stores and an online shop. You can use Afterpay for purchases up to $2,000.
- Burrow – Specializes in modular sofas and furniture. Afterpay is accepted for all orders.
- West Elm – Offers modern furniture and home decor. Afterpay is available on orders up to $1,000.
- Article – Known for mid-century modern furniture. Afterpay is accepted for orders up to $1,000.
- Overstock – Carries a wide range of furniture and home goods. Afterpay is available on orders up to $1,000.
- Target – Many Target stores and their website accept Afterpay for furniture and home items.
How to Use Afterpay for Furniture Purchases
Using Afterpay is straightforward. Follow these steps:
- Create an Afterpay Account – Sign up at afterpay.com or download the app. You'll need a debit or credit card.
- Shop at a Participating Store – Look for the Afterpay logo at checkout. Many stores offer it both online and in-store.
- Select Afterpay at Checkout – Choose Afterpay as your payment method. You'll be redirected to Afterpay to log in or create an account.
- Make the First Payment – Pay 25% of the total upfront. The remaining 75% is split into three equal payments due every two weeks.
- Enjoy Your Furniture – The item ships or is available for pickup immediately after the first payment.
Pro tip: Set up automatic payments to avoid late fees. Late fees are capped at 25% of the order value or $68, whichever is less.
Key Buying Parameters to Consider
When buying furniture with Afterpay, keep these factors in mind:
- Order Limits – Most stores have a maximum order amount for Afterpay (typically $1,000 to $2,000). Check before you shop.
- Interest and Fees – Afterpay is interest-free if you pay on time. Late fees apply for missed payments.
- Return Policy – If you return an item, Afterpay will refund the payments to your original payment method. It may take a few days.
- Credit Check – Afterpay does not perform a hard credit check, but they may check your transaction history.
Common Mistakes to Avoid
Many first-time users make these errors:
- Not Checking the Total Cost – Even though it's interest-free, ensure the total price fits your budget. Don't overspend just because payments are split.
- Missing a Payment – Late fees can add up. Set reminders or enable auto-pay.
- Ignoring Return Policies – Some stores have restocking fees or strict return windows. Read the fine print before buying.
- Using Afterpay for Multiple Orders – If you have several active Afterpay orders, you might max out your spending limit. Manage your payments carefully.
Real-World Buying Tips
Here are actionable tips from experienced shoppers:
- Combine Sales with Afterpay – Look for clearance or seasonal sales. Using Afterpay on discounted items saves even more.
- Check Store Exclusions – Some items like clearance or oversized furniture may not qualify for Afterpay. Filter by “Afterpay eligible” on the store's website.
- Use the Afterpay App – The app shows your payment schedule, upcoming due dates, and lets you pay early.
- Start Small – If you're new to Afterpay, try a small purchase first to understand the process.
Frequently Asked Questions
Can I use Afterpay in-store at furniture stores?
Yes, many brick-and-mortar stores accept Afterpay. Just look for the Afterpay logo at checkout or ask a sales associate. You'll need the Afterpay app to generate a barcode.
What happens if I return a furniture item bought with Afterpay?
Afterpay will refund the payments to your original payment method. The refund may take 5-10 business days to appear.
Does Afterpay affect my credit score?
No, Afterpay does not perform a hard credit inquiry, so it won't impact your credit score. However, missed payments may be reported to credit bureaus in some cases.
Are there any fees besides late fees?
Afterpay charges no interest or upfront fees. The only fees are late payment fees, which are capped.
Final Thoughts
Afterpay makes buying furniture more accessible by spreading the cost over time. With many reputable stores accepting it, you can find everything from a new sofa to a dining table without paying the full amount upfront. Just remember to budget wisely, pay on time, and read the store's return policy. Happy furniture shopping!