Buy now, pay later for furniture

PayPal Pay Later allows shoppers to pay for their online shopping in installments, instead of paying the whole cost upfront. With PayPal Pay Later you can split purchases from $30 to $10,000 and pay over weeks or months, depending on which Pay Later product you choose.

Next time you’re furniture shopping, or browsing new kitchen appliances, look out for Pay Later at checkout. It’s convenient to spread the cost with PayPal.

With PayPal Pay Later, furniture, appliances, and homeware can be more affordable. You have the freedom to spread the cost over a period you’re comfortable with, whether that’s splitting into four payments or more. You can also get cashback with PayPal Rewards. Get 1%, 2%, or 5% cashback from top brands when you pay with PayPal. We’ll apply your offers at checkout.

Whether you’re transforming your bedroom or investing in some hardwood furniture, look out for PayPal Pay in 4 or Pay Monthly at checkout. Millions of online and physical stores let you pay later with PayPal. Pay in 4 spreads the cost of a purchase between $30 and $1,500 USD into 4 interest-free payments. For qualifying purchases between $49 and $10,000 USD, you can spread the cost into fixed monthly payments over 3 to 24 months with Pay Monthly. This is available to eligible customers from selected online stores, including many furniture retailers.

Your eligibility is determined during the checkout process. Eligibility also varies by state. PayPal performs a quick credit check, and you'll receive a decision within seconds. If approved, you can choose the repayment plan that works best for you. You’ll make the first payment at the time of purchase with PayPal Pay in 4. You’ll then make future payments automatically with autopay.

You must be 18 years old or older to apply for Pay in 4 or Pay Monthly.

You can use PayPal Pay Later options at millions of online stores. Furniture stores that offer PayPal Pay Later include The Home Depot, Office Depot, and many more.

When applying for PayPal Pay Later solutions, a soft credit check may be needed, but will not affect your credit score. You must be 18 years old or older when applying for Pay Later.

Using buy now pay later does not affect your ability to get a refund on a purchase. However, it’s important to keep paying according to your payment schedule until the merchant processes the refund. Repayments will be automatic if you set up autopay on your account.

If you don't receive your order, or it shows up significantly different than described, you may be eligible for a refund under PayPal’s Purchase Protection program. Purchase Protection covers eligible items, including furniture, paid for with PayPal. Terms and limitations apply.

Visit the PayPal Help Center to find out more about how refunds work with Pay Later.

Pay in 4 is always interest-free, with no late fees or sign-up fees. With Pay Monthly, you will pay a fixed interest rate, which varies based on your credit, and you won't pay any late fees or sign-up fees.

You can make unscheduled or early payments to clear your Pay Monthly or Pay in 4 balance faster. This is how:

1. Log in to your PayPal account.
2. Go to the Pay Later section.
3. Click on the specific Pay Monthly or Pay in 4 plan you want to pay.
4. Click "Make a Payment".