Complimentary swatches & white-glove delivery on orders over $999 · 0% APR financing available

Furnishly Credit

Buy the room you actually want.

Furniture is a ten-year purchase. Paying for it over a few months shouldn’t cost you extra — so with Furnishly Credit, it doesn’t.

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A fully furnished living room in warm neutral tones

Rates

Four plans. No interest on three of them.

24 months 0% APR — no interest
Orders $2,000 and above
12 months 0% APR — no interest
Orders $1,000 and above
6 months 0% APR — no interest
Orders $500 and above
12 months 9.99% APR
Orders $199 and above

Rates shown are for illustration in this demo build. In production, terms are subject to credit approval by our lending partner; the best available plan is applied automatically at checkout.

Payment estimator

What would it cost per month?

Your estimated payment

$104.13/mo

24 monthly payments at 0% APR on an order of $2,499. Total paid: $2,499 — no interest, ever.

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How it works

Four steps, about ninety seconds.

1 · Fill your cart

Shop as normal. Estimated monthly payments appear on every product page over $199.

2 · Choose Furnishly Credit

Select it as your payment method at checkout and enter a few details.

3 · Get an instant decision

A soft credit check only — checking your rate never affects your credit score.

4 · Pay monthly

Your first payment is due 30 days after delivery. Pay it off early at any time, penalty-free.

Common questions

Financing, answered.

Will checking my rate hurt my credit score?
No. Pre-qualification uses a soft credit check, which is not visible to other lenders and has no effect on your score. A hard check is only run if you accept an offer and complete the purchase.
Is there really no interest?
On the 6, 12 and 24-month 0% APR plans, yes — you pay exactly the order total, divided evenly. There is no deferred interest, meaning nothing is retroactively charged if you take the full term.
Are there fees?
No origination fee, no annual fee, no prepayment penalty and no late fee on 0% APR plans. What you see at checkout is what you pay.
When does my first payment come out?
Thirty days after your order is delivered — not when you place it. If your sofa takes three weeks to build, your first payment is roughly seven weeks away.
Can I pay it off early?
Any time, in part or in full, at no cost. Paying early on a 0% plan simply ends the plan.
What if I return something?
Returns are credited back against your financing balance and your remaining payments are recalculated automatically. We handle it — you do not need to call the lender.
Do I need perfect credit?
No. Approval depends on several factors, and applicants across a broad credit range are approved. If you are not approved for 0% APR, you may still be offered the 12-month 9.99% APR plan.

This is a demonstration site. No credit product is offered, no application is submitted and no data is transmitted to any lender.