Complete your project today!

With one of our diverse pay over time optionsWith one of our diverse pay over time options

With one of our diverse pay over time options

Explore all available options to easily find one that’s just right for you!Explore all available options to easily find one that’s just right for you!

Compare all pay over time options

As low as 0% APR available with Affirm

Interest-free⁴ options from 6 weeks to 24 months

As low as 0% APR available with Klarna

Interest-free⁵ options from 6 weeks to 6 months

Pay over time options with Afterpay

Interest-free⁶ when you pay in 4 over 6 weeks

Wayfair Credit Card or Mastercard

Financing & free enrollment in Wayfair Rewards²

Frequently Asked QuestionsFrequently Asked Questions

What options are available to help me pay over time at Wayfair?What options are available to help me pay over time at Wayfair?

Wayfair Credit Card: The Wayfair Credit Card and Wayfair Mastercard offers revolving lines of credit and financing options ranging from 6-60 months on qualifying orders.

Affirm, Klarna & Afterpay: Our pay over time partners allow you to buy now and split your purchase into 4 interest-free⁴,⁵,⁶ payments or monthly installments.

How do I use each of these options?How do I use each of these options?

Wayfair Credit Card: To apply financing, use your Wayfair Credit Card or Wayfair Mastercard. If your order qualifies for a financing plan, you will be able to select that plan. If your order qualifies for multiple financing plans, you will be presented with eligible options and can select one to apply to your order. If you would like different financing plans for each product in your order, please place multiple orders.

Affirm, Klarna & Afterpay: After you've added items to your Cart, simply head to Checkout and select Affirm, Klarna, or Afterpay as your payment method. You'll be able to choose between your eligible payment plans before confirming your order.

What plans are available through the Wayfair Credit Card, Affirm, Klarna, and Afterpay?What plans are available through the Wayfair Credit Card, Affirm, Klarna, and Afterpay?

6 month** Financing on orders over $199

12 month** Financing on orders over $799

18 month** Financing on orders over $1499

24 month** Financing on orders over $2999

How does applying impact my credit score?How does applying impact my credit score?

Wayfair Credit Card: Submitting a completed credit application will create a "hard inquiry" on the credit bureau used for the credit decision process. This may impact your credit score at that bureau.

Affirm, Klarna & Afterpay: Checking your eligibility won't affect your credit.

Are there annual fees to use these payment methods?Are there annual fees to use these payment methods?

What if I have questions about paying my bill or managing my account with one of the payment providers? What if I have questions about paying my bill or managing my account with one of the payment providers?

Affirm Help Center

Klarna Help Center

Afterpay Help Center

Can I pay before the due date?Can I pay before the due date?

What if I have more questions?What if I have more questions?

Paying your bill

Registering for online bill pay and paperless statements

Requesting a replacement for lost/stolen cards

Adding authorized users (Mastercard only)

Obtaining a copy of your billing statement

Answering questions about your account

Answering questions about your bill or transactions, including financing transactions

Updating your account information

Requesting a change to your credit limit

Affirm Help Center

Klarna Help Center

Afterpay Help Center

Where can I find Wayfair Financing?Where can I find Wayfair Financing?

Pay Over Time DetailsPay Over Time Details

**Rewards and Financing Detailssuperscript Rewards and Financing Details

Introductory Offer:

No Interest Financing if Paid in Full up to 24 Months:

6 month* Financing on orders over $199

12 month* Financing on orders over $799

18 month* Financing on orders over $1499

24 month* Financing on orders over $2999

*Financing up to 60 Months:

9.99% APR for 36 months on orders over $1,599

9.99% APR for 48 months on orders over $1,799

9.99% APR for 60 months on orders over $1,999

2Wayfair Rewards Membershipsuperscript Wayfair Rewards Membership

Free Membership:

New Here? Grab 10% Off Your First Order.

Get 10% off one qualifying order, up to $150, on wayfair.com. Promo code expires seven days after issuance and is valid on a customer’s first order only. Offer subject to full terms and conditions.

You will receive offers from Wayfair in accordance with our Privacy Policy. Unsubscribe at any time. Terms & Privacy

Wayfair Professional

Wayfair Cash Registry

Wayfair Credit Card

Product Collections

Investor Relations

Advertise With Us

Customer Service

Wayfair Accessibility Statement

Customer Service

Open. Closes at 11:59 PM EDT.

Shopping Assistance

Open. Closes at 11:59 PM EDT.

Your Privacy Rights & Choices

Could not generate your unique web-ID verification code, please refresh or try a different page. If you're using an Ad Blocker or VPN, consider turning it off and trying again.