Spread out the cost of furniture, appliances, and big home buys

See installment and lease-to-own options often used for furniture and appliances. Lease-to-own is labeled clearly so you can compare total cost.

Tips

Prefer true installment / BNPL when possible—lease-to-own often costs more overall.
Look for longer terms (24–60 months) on big-ticket items.
Always verify merchant participation at checkout.

Matching providers (12)

Affirm

installment

True 0%No late feesSoft creditLong termTravelCredit building

Pay in 4 (0%) or monthly plans up to 60 months. True 0% available on many merchant promotions. Soft credit check. Reports to credit bureaus on many plans.

Up to 60 months·Credit: soft·From $50

electronicsfurnituregeneraltravel

View terms

Splitit

installment

True 0%No late feesNo credit checkLong term

Uses your existing credit card. No new credit application. Installments charged to the card.

Up to 24 months·Credit: none

generalluxuryelectronics

View terms

Perpay

installment

True 0%No credit checkCredit building

Pay over time from your paycheck via marketplace. Focused on credit-building; reports to major bureaus when enrolled in Perpay+.

Up to 12 months·Credit: none

generalelectronicsfashion

View terms

Klarna

bnpl

True 0%Soft creditLong term

Pay in 4 interest-free, 30-day financing, or longer monthly plans. Very strong in fashion & beauty.

Up to 36 months·Credit: soft·From $35

fashionbeautygeneralhome

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Afterpay (Cash App Afterpay)

bnpl

True 0%Soft creditLong term

Classic Pay in 4 + longer installment options. Integrated with Cash App.

Up to 24 months·Credit: soft

fashionbeautyhomegeneral

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Sezzle

bnpl

True 0%Soft credit

Pay in 4 + Sezzle Up for longer terms and higher limits.

Up to 12 months·Credit: soft

fashiongeneralelectronics

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Zip

bnpl

True 0%Soft credit

Pay in 4 or monthly. Active in Australia and the US (exited New Zealand in 2026).

Up to 12 months·Credit: soft

generalelectronicshome

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Shop Pay Installments

bnpl

True 0%Soft credit

Built into Shopify checkout. Powered in part by Affirm. Very common on independent online stores.

Up to 12 months·Credit: soft

generalfashionhome

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Bread Pay (Bread Financial)

installment

Soft creditLong term

Longer-term financing often used by furniture and big-ticket merchants. Rates vary. Formerly Alliance Data / breadpayments.com.

Up to 60 months·Credit: soft

furnitureelectronicshomegeneral

View terms

Katapult

installment

Soft creditLease-to-own

Lease-to-own and flexible payments for furniture and appliances. Alternative when traditional credit is limited.

Up to 18 months·Credit: soft

furnitureelectronicsappliances

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Progressive Leasing

installment

Soft creditLease-to-own

Lease-to-own at major retailers. Not traditional BNPL—you lease then may purchase. Higher total cost if you keep the item full term; read terms carefully.

Up to 12 months·Credit: soft

furnitureelectronicsappliancesgeneral

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Acima

installment

Soft creditLease-to-own

Lease-to-own retail financing. Early payoff options exist; total cost can exceed sticker price if kept full term.

Up to 12 months·Credit: soft

furnitureelectronicsappliancesgeneral

View terms

Educational only. Terms change—verify directly with each provider. Not financial advice.