Disclosure: TheEasyPay is reader-supported. When you apply through links on this page we may earn a commission at no cost to you. We only recommend programs we have verified are actually approving shoppers right now.
Moving into your first home is a milestone — and an expensive one. Between furniture, appliances, window treatments, and the dozens of things you didn’t realize you needed, the cost adds up fast. The good news: nearly everything on your first-home checklist can be financed through BNPL apps. Here’s a complete guide.
Bedroom
✓ Mattress — Financeable at Casper, Nectar, Mattress Firm, Amazon via Affirm or Afterpay
✓ Bed frame / platform base — Wayfair, Amazon, IKEA via Afterpay or Klarna
✓ Dresser / chest of drawers — Wayfair, IKEA via Klarna or Afterpay
✓ Nightstands — Amazon, Target via PayPal Pay in 4 or Afterpay
✓ Bedding set (sheets, comforter, pillows) — Brooklinen, Target, Amazon via Afterpay
Living Room
✓ Sofa or sectional — Wayfair, Ashley Furniture, Pottery Barn via Affirm or Klarna
✓ Coffee table — Target, Wayfair via Afterpay or PayPal Pay in 4
✓ TV (50–65″) — Best Buy, Amazon via Affirm (0% promotional) or Afterpay
✓ TV stand / media console — Wayfair, Amazon via Afterpay
✓ Area rug — Wayfair, Target, Rugs USA via Klarna or Afterpay
✓ Bookshelf / storage — IKEA, Target via Afterpay or Klarna
Kitchen
✓ Refrigerator — Best Buy, Home Depot via Affirm or Klarna
✓ Microwave — Amazon, Target via PayPal Pay in 4 or Afterpay
✓ Cookware set — Williams-Sonoma, Amazon via Afterpay or Klarna
✓ Dinnerware and silverware — Target, Crate & Barrel via Afterpay
✓ Small appliances (toaster, coffee maker, blender) — Amazon, Target via PayPal Pay in 4
Laundry
✓ Washer and dryer — Home Depot, Best Buy, Lowe’s via Affirm (0% promotional offers common)
✓ Laundry baskets, drying rack, detergent starter kit — Amazon, Target via Afterpay
Bathroom
✓ Towel set — Target, Amazon via PayPal Pay in 4
✓ Shower curtain + liner — Target, Wayfair via Afterpay
✓ Bath mat — Amazon, Target via PayPal Pay in 4
✓ Medicine cabinet / mirror — Wayfair via Klarna or Afterpay
Home Office (if applicable)
✓ Desk — Wayfair, Amazon via Klarna or Afterpay
✓ Office chair — Amazon, Staples via Affirm or Afterpay
✓ Monitor — Best Buy, Amazon via Affirm or Afterpay
✓ Laptop — Best Buy, Amazon via Affirm (up to 24-month plans)
How to Finance Smart
Prioritize the items you interact with daily: mattress, kitchen appliances, and basic seating. Use 0% interest Pay in 4 for smaller items ($100–$600). Use Affirm monthly plans for appliances and big furniture pieces over $800. Stagger purchases across 4–8 weeks to avoid too many simultaneous payment obligations.