Does Wayfair Finance? (All You Need to Know)

It’s easy to run up a huge total at Wayfair, despite the low prices, sales, and deals, when you are continuously adding items to your cart.

However, rather than putting some items back (or “save for later”), you might be wondering whether Wayfair offers any opportunity to buy now and pay later. Does Wayfair finance? It sure would make a lot of sense if they did, so I’m here with the answer you seek!

Does Wayfair Finance in 2024?

Wayfair does offer a suite of financing and lease-to-own options, including Affirm and Citizen’s Pay, among others in 2024. Customers can spread out their payments over time, including in some cases, in accordance with their pay day schedule. Further, Wayfair has its own credit cards and offers no-interest payments through Afterpay and Klarna.

To learn more about how to pay with monthly payments, what credit score you need for Wayfair financing, more about paying with Affirm, and even how to use Afterpay on Wayfair, keep going!

Does Wayfair Allow Monthly Payments?

Wayfair does allow monthly payments through its financing plans, of which there are eight possible for you to match with.

There is a single application to find out which plan(s) you qualify for. These plans include Affirm, Citizen’s Pay, Acima, and Fortiva.

Once you have filled out the application and submitted it, the site will match you with the plans that find your information acceptable, and you can view your offers.

Let’s take a look at Wayfair’s financing options a bit more in-depth:

  • Affirm: Affirm is the most widely heard of option, and here it allows you to pay either monthly or every two weeks (interest-free!).
  • Genesis Credit: Genesis operates like a credit card, giving you the money to make your purchase, with the expectation that you’ll pay it off later.
  • Citizens Pay: The same as Genesis, if you receive an offer from Citizens Pay, you’ll be expected to make monthly payments.
  • Fortiva Retail Credit: Another line of credit option.
  • Acima: This is a lease-to-own financing plan, where you can choose from a 12-month or 18-month option.
  • Progressive Leasing: One great thing about this lease-to-own plan is that you get to schedule payments around your payday.
  • Katapult: With Katapult, if you pay off your total within 90 days, you’ll get a discount, and if you pay it off at any time before the full total is due, you’ll also receive a discount.

Additionally, you could apply for one of Wayfair’s two credit card options. One is the Wayfair credit card, which you can only use at Wayfair or its sister brands.

The other is the Wayfair Mastercard, which you can use anywhere Mastercard is accepted.

What Credit Score Do You Need for Wayfair Financing?

What Credit Score Do You Need for Wayfair Financing?

The credit score required for eligibility for each of Wayfair’s financing plans differs based on the company offering the loan.

For example, with Affirm, you’ll need at least a 640 credit score to be considered.

For Katapult, the company works with people who have no credit or bad credit, so they are a bit more lenient.

Acima has no credit score minimum, and neither does Fortiva. All this to say, Wayfair has partnered with companies that are fairly relaxed as far as credit score goes.

So, if you were worried about qualifying, hopefully this takes some pressure off.

Does Wayfair Offer Affirm?

Wayfair does offer financing through Affirm, though it’s one of the companies that has a credit score minimum (that minimum is 640).

Affirm does a soft pull of your credit score, which doesn’t hurt your credit, but actually accepting the loan from Affirm does affect your credit.

How Do You Use Afterpay on Wayfair?

If the thought of paying interest is anathema to you, but you don’t have all the money right up front for your Wayfair purchase, consider using Afterpay.

Afterpay lets you pay in four installments, two weeks apart, totally interest-free. You pay the first installment upon checkout.

To use Afterpay, go to Checkout and, under Payment Info, select “Change.”

Afterpay is the first option to pop up, and you will select it and hit continue.

This will take you to Afterpay’s website, where you’ll have to fill in some info, before being routed back to Wayfair’s page.

Afterward, you’ll complete checkout, paying the first installment right then and there, and receive a confirmation email from Afterpay.

One of the things I like about Afterpay is how they don’t let your upcoming payments sneak up on you. Rather, management will send multiple notices that your next payment is due.

Is It Easy to Get Credit With Wayfair?

You can also apply for one of the two Wayfair credit cards, and one is easier to obtain than the other.

The Wayfair Credit Card is the easier of the two, likely because it can be used in fewer places, just and its sister sites. It requires a credit score of 580.

The Wayfair Mastercard, however, can be used anywhere Mastercard is accepted, so it requires a higher credit score of 650.

To know more, you can also read our posts on Amazon vs Wayfair, does Wayfair offer military discounts, and who does Wayfair use for shipping.


Wayfair does finance, and has partnered with eight different financing companies, many of which have no credit score minimum, to give their customers options.

Additionally, customers can pay with Afterpay or Klarna, for interest-free payments, or they may apply for the Wayfair Credit Card or Wayfair Mastercard.

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Florence Howard

Florence Howard has been freelance writing for over a decade, and has a vocational background in retail, tech, and marketing. Outside of work, she enjoys listening to rock and metal, and playing with her dog and cat.

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