What Furniture Stores Use Afterpay? Top Retailers and Tips

Buying furniture can be expensive, but Afterpay lets you split the cost into four interest-free payments. Many furniture retailers now accept Afterpay, making it easier to furnish your home without breaking the bank. This guide covers the top furniture stores that use Afterpay, how to use it effectively, and common pitfalls to avoid.

Top Furniture Stores That Accept Afterpay

Here are the best furniture retailers where you can use Afterpay:

• Wayfair – One of the largest online furniture stores, Wayfair offers a huge selection of sofas, beds, tables, and decor. Afterpay is available on orders up to $2,000.
• Ashley Furniture – This popular chain accepts Afterpay both online and in-store. You can finance sofas, mattresses, and dining sets.
• IKEA – IKEA now offers Afterpay for online orders in the US. Perfect for budget-friendly furniture and home accessories.
• Article – Known for modern, mid-century furniture, Article lets you use Afterpay on orders up to $2,000.
• Burrow – Specializing in modular sofas, Burrow accepts Afterpay for flexible payments on custom furniture.
• West Elm – For higher-end contemporary furniture, West Elm allows Afterpay on purchases up to $2,000.
• Pottery Barn – Another premium option, Pottery Barn accepts Afterpay for furniture and home decor.
• Target – Target’s furniture section, including brands like Project 62 and Threshold, works with Afterpay for online orders.
• Walmart – Walmart’s furniture selection is vast, and Afterpay is available for online purchases.
• Amazon – Many furniture sellers on Amazon accept Afterpay, but check the product page for the Afterpay badge.

How to Use Afterpay for Furniture Purchases

Using Afterpay is straightforward. Follow these steps:

1. Create an Afterpay account – Sign up on the Afterpay website or app with your email and payment details (credit/debit card).
2. Shop at a participating store – Add furniture items to your cart and proceed to checkout.
3. Select Afterpay as payment method – You’ll be redirected to Afterpay to log in and confirm the payment plan.
4. Make the first payment – Pay 25% upfront. The remaining three payments are automatically charged every two weeks.
5. Receive your furniture – The store ships your items as usual. Afterpay does not affect delivery times.

Tip: Make sure your card has sufficient funds on payment dates to avoid late fees (up to $8 per payment).

What to Look for When Buying Furniture with Afterpay

Not all furniture deals are created equal. Here are key factors to consider:

• Total cost – Afterpay is interest-free, but late fees add up. Only buy what you can afford within the 6-week payment period.
• Shipping fees – Some stores charge for delivery. Factor this into your budget.
• Return policy – If you return an item, Afterpay refunds the payments made. However, the store’s return window may be shorter than your payment plan.
• Order limits – Afterpay has a spending limit (usually $2,000 per transaction). For larger purchases, consider splitting into multiple orders or using other financing options.
• Quality and reviews – Read customer reviews for durability and comfort. Avoid cheap furniture that may not last.

Common Mistakes and How to Avoid Them

New Afterpay users often make these errors:

• Missing payments – Set reminders for due dates. Late fees can damage your credit if sent to collections.
• Buying too much at once – Multiple Afterpay orders can strain your budget. Start with one essential piece.
• Ignoring store policies – Some stores exclude Afterpay from clearance or sale items. Always check eligibility.
• Not comparing prices – Just because a store accepts Afterpay doesn’t mean it’s the best deal. Compare prices across retailers.
• Overlooking assembly costs – If you buy from IKEA or Wayfair, factor in assembly fees if you don’t DIY.

Real Tips for Smart Furniture Shopping with Afterpay

Here’s how to get the most value:

• Plan your payments – Align due dates with your paychecks to avoid overdrafts.
• Use a dedicated card – Link a debit card with a low balance to prevent overspending.
• Take advantage of sales – Combine Afterpay with store discounts (e.g., Black Friday, clearance events).
• Measure your space – Avoid returns by measuring the room and doorways before ordering.
• Check for Afterpay promos – Some stores offer “no payment for 30 days” or discounts when using Afterpay.

Frequently Asked Questions

Can I use Afterpay for in-store furniture purchases?

Yes, many stores like Ashley Furniture and Bed Bath & Beyond accept Afterpay in-store. Look for the Afterpay sign at checkout or ask a sales associate.

Does Afterpay report to credit bureaus?

No, Afterpay does not report missed payments to credit bureaus, but late fees apply and your account may be suspended.

What happens if I return a furniture item bought with Afterpay?

If the store accepts returns, Afterpay will refund the payments you’ve made (minus any shipping fees). The refund goes back to your original payment method.

Can I use Afterpay on clearance or sale furniture?

It depends on the store. Some exclude sale items, while others allow it. Always check the product page or terms.

Is there a maximum order amount for Afterpay?

Yes, most stores have a $2,000 limit per transaction. For larger purchases, you may need to split into multiple orders or use another financing option.

Final Thoughts

Afterpay makes furniture shopping more accessible, but it’s important to use it wisely. Stick to reputable stores like Wayfair, Ashley Furniture, and IKEA, and always read the fine print. By following the tips above, you can furnish your home without financial stress. Happy shopping!