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Furnishing and equipping a home from scratch can easily cost $5,000–$15,000. BNPL apps have changed the math significantly — instead of saving for months before you can buy, you can acquire essential items now and pay in structured installments. Here’s a category-by-category guide to using easy pay for home essentials.
Furniture
Furniture is one of the most popular categories for BNPL financing. Sofas, beds, dining sets, and dressers are big purchases that benefit most from installment plans.
Where to shop: Wayfair, Ashley Furniture, Pottery Barn, IKEA, Amazon, Overstock
Best BNPL options: Affirm (long-term plans for sets over $1,000), Afterpay (smaller pieces under $1,500), Klarna (flexibility across any retailer)
Typical financing: $200–$3,000. Use Pay in 4 for pieces under $800; monthly plans for bedroom or living room sets above that threshold.
Mattresses
Mattresses are high-value purchases where BNPL shines. Most major mattress brands now partner directly with BNPL providers.
Where to shop: Casper, Purple, Saatva, Nectar, Mattress Firm, Amazon
Best BNPL options: Affirm (most mattress brands partner directly), Afterpay (for beds under $1,500), Klarna
Typical financing: $400–$2,500. Many premium mattress brands offer 0% APR through Affirm for 12 months.
Appliances
Large appliances — refrigerators, washers, dryers, dishwashers — are often urgent purchases. A broken fridge can’t wait weeks for you to save up.
Where to shop: Best Buy, Home Depot, Lowe’s, Samsung, LG, Costco, Amazon
Best BNPL options: Affirm (Best Buy and Home Depot both integrate Affirm), Klarna, Zip (works in-store via virtual card)
Typical financing: $500–$4,000. Monthly plans are typically more practical for appliances given the higher price points. Look for 0% promotional financing at Best Buy and Home Depot.
Electronics
TVs, laptops, gaming setups, and home office gear are easily financed through BNPL with fast approval.
Where to shop: Best Buy, Amazon, Newegg, B&H Photo, Walmart, Target
Best BNPL options: Affirm, Afterpay, PayPal Pay in 4 (for purchases under $1,500)
Typical financing: $200–$3,000. Pay in 4 works well for a single TV; monthly plans better for full home office setups.
Small Appliances & Kitchenware
Stand mixers, air fryers, coffee systems, and cookware sets are good candidates for Pay in 4 plans.
Where to shop: Williams-Sonoma, Sur La Table, Target, Amazon, Costco
Best BNPL options: Afterpay, Klarna, PayPal Pay in 4
Typical financing: $100–$600. Pay in 4 is usually the right fit for this price range.
Prioritizing Your Purchases
When furnishing from scratch, prioritize functional necessities: sleeping surface first, then kitchen appliances, then living space furniture, then electronics and décor. Using one or two BNPL apps strategically across these categories keeps payments manageable and ensures your most important needs are covered quickly.