Home Decor & Garden: Pay Later and Financing at 47 Stores
Rugs, decor, lighting and garden supplies. These stores let you pay over time.
- 47 stores confirmed
- 1 with a 0% APR offer
- Checked Nov 14, 2026
Stores where you can pay over time
Each store was checked on its own website. Pick a store for its terms, a payment example and when we checked.

Abunda
BothDepartment stores & marketplaces
Sells millions of products, including items from Amazon, with pay-later plans at checkout.
Cash App Afterpay · PayPal Pay Later · Acima
Checked Nov 10, 2026
Visit Abunda
Amazon
Pay laterDepartment stores & marketplaces
The largest US online marketplace, selling nearly everything from electronics and home goods to groceries, with fast Prime shipping.
Affirm · Synchrony Pay Later · Amazon Monthly Payments +1HSA/FSA
Checked Nov 14, 2026
Visit Amazon
Angelic Roots
Pay laterHome decor & garden
Sells crystals, minerals and Reiki healing tools.
Shop Pay Installments · Sezzle
Checked Nov 11, 2026
Visit Angelic Roots
AromaTech
Pay laterHome decor & garden
Sells essential oils, aroma oils and home fragrance diffusers.
Shop Pay Installments · Sezzle
Checked Nov 11, 2026
Visit AromaTech
Artful Home
Pay laterHome decor & garden
Handmade art, jewelry, furniture and decor from independent American artists.
Shop Pay Installments
Checked Nov 10, 2026
Visit Artful Home
Assouline
Pay laterHome decor & garden
Publishes luxury coffee-table books and sells candles and decorative objects.
Klarna · Shop Pay Installments · Cash App Afterpay
Checked Nov 11, 2026
Visit Assouline
ban.do
Pay laterHome decor & garden
Sells colorful planners, stationery, accessories, bags and gifts.
Shop Pay Installments · Cash App Afterpay
Checked Nov 11, 2026
Visit ban.do
Barefoot Dreams
Pay laterHome decor & garden
Makes plush CozyChic blankets, robes, loungewear and cardigans.
Shop Pay Installments · Cash App Afterpay
Checked Nov 11, 2026
Visit Barefoot Dreams
Bed Bath & Beyond
Lease to ownHome decor & garden
Sells furniture, bedding, rugs and kitchen essentials online.
Progressive Leasing
Checked Nov 10, 2026
Visit Bed Bath & Beyond
Best Custom
Pay laterHome decor & garden
Sells personalized gifts and custom ornaments.
Shop Pay Installments · Sezzle
Checked Nov 11, 2026
Visit Best Custom
Big Lots
Lease to ownDepartment stores & marketplaces
Sells discounted furniture, home goods and seasonal items in stores.
Progressive Leasing
Checked Nov 10, 2026
Visit Big Lots
Blinds.com
Pay laterHome decor & garden
Online retailer of custom window blinds, shades, shutters and drapes.
Affirm
Checked Nov 10, 2026
Visit Blinds.com
Blindster
Pay laterHome decor & garden
Sells custom blinds, shades and shutters made to measure.
PayPal Pay Later
Checked Nov 10, 2026
Visit Blindster
Bloomingdale's
Pay laterDepartment stores & marketplaces
Upscale department store selling designer clothing, handbags, beauty and home goods online and in its US stores.
Klarna
Checked Nov 10, 2026
Visit Bloomingdale's
BloomNation
Pay laterHome decor & garden
Delivers flowers and bouquets from local florists across the US.
Cash App Afterpay
Checked Nov 10, 2026
Visit BloomNation
Boscov's
Pay laterDepartment stores & marketplaces
Family-owned department store chain selling clothing, home goods, furniture, appliances and gifts.
Affirm
Checked Nov 10, 2026
Visit Boscov's
Boutique Rugs
Pay laterHome decor & garden
Sells area rugs, runners, lamps and home decor online.
Klarna · Shop Pay Installments
Checked Nov 10, 2026
Visit Boutique Rugs
Boy Smells
Pay laterHome decor & garden
Makes scented candles, fine fragrances and body care.
Shop Pay Installments · Cash App Afterpay
Checked Nov 11, 2026
Visit Boy Smells
Burlington
Pay laterDepartment stores & marketplaces
Off-price department store selling discounted clothing, shoes, home goods and baby items.
Klarna · Cash App Afterpay
Checked Nov 10, 2026
Visit Burlington
Click and Grow
Pay laterHome decor & garden
Makes indoor smart gardens and plant pod refills.
Affirm · Shop Pay Installments · Cash App Afterpay
Checked Nov 10, 2026
Visit Click and Grow
Costco
Pay laterDepartment stores & marketplaces
Membership warehouse club selling groceries, electronics, appliances, furniture and more in bulk at low prices.
Affirm
Checked Nov 10, 2026
Visit Costco
CV Linens
Pay laterHome decor & garden
Sells tablecloths, drapes, backdrops and event and wedding linens.
Shop Pay Installments · Cash App Afterpay
Checked Nov 11, 2026
Visit CV Linens
Diamond Art Club
Pay laterHome decor & garden
Sells diamond painting kits, tools and accessories for crafters.
Shop Pay Installments · Cash App Afterpay · Sezzle
Checked Nov 11, 2026
Visit Diamond Art Club
Discount Pools Direct
Lease to ownHome decor & garden
Sells above-ground pools, pool accessories and outdoor grills.
Katapult
Checked Nov 10, 2026
Visit Discount Pools Direct
Displate
Pay laterHome decor & garden
Sells metal poster wall art, including licensed pop-culture and limited-edition designs.
Klarna
Checked Nov 10, 2026
Visit Displate
eBay
Pay laterDepartment stores & marketplaces
Online marketplace for new, used and collectible items, from sneakers and watches to electronics and car parts.
Klarna
Checked Nov 10, 2026
Visit eBay
Erin Condren
Pay laterHome decor & garden
Makes planners, notebooks, stickers and organization supplies.
Cash App Afterpay
Checked Nov 10, 2026
Visit Erin Condren
Etsy
Pay laterDepartment stores & marketplaces
Online marketplace for handmade, vintage and custom goods from independent sellers, from jewelry to furniture.
Klarna
Checked Nov 10, 2026
Visit Etsy
FiftyFlowers
Pay laterHome decor & garden
Sells wholesale fresh flowers for weddings and events.
Shop Pay Installments · Sezzle
Checked Nov 11, 2026
Visit FiftyFlowers
Flamingo Estate
Pay laterHome decor & garden
Sells candles, bath and body, pantry goods and gift boxes.
Shop Pay Installments · Cash App Afterpay
Checked Nov 11, 2026
Visit Flamingo Estate
Hallmark
Pay laterHome decor & garden
Sells greeting cards, Keepsake Christmas ornaments, gifts and home decor.
PayPal Pay Later
Checked Nov 10, 2026
Visit Hallmark
Hatteras Hammocks
Pay laterHome decor & garden
Makes handcrafted rope hammocks, porch swings and outdoor relaxation furniture.
PayPal Pay Later
Checked Nov 10, 2026
Visit Hatteras Hammocks
Hobby Lobby
Pay laterHome decor & garden
Sells arts and crafts supplies, home decor, framing and seasonal goods.
PayPal Pay Later
Checked Nov 10, 2026
Visit Hobby Lobby
Homesick
Pay laterHome decor & garden
Scented soy candles inspired by places, memories and pop culture.
Shop Pay Installments
Checked Nov 10, 2026
Visit Homesick
Kate Minimalist
Pay laterHome decor & garden
Sells home essentials, lanterns and first aid kits.
Sezzle
Checked Nov 11, 2026
Visit Kate Minimalist
Kohl's
Pay laterDepartment stores & marketplaces
Department store chain selling apparel, shoes, home goods and beauty at discount prices online and in stores.
Klarna · PayPal Pay Later
Checked Nov 10, 2026
Visit Kohl's
Lettuce Grow
Pay laterHome decor & garden
Sells Farmstand hydroponic gardens and seedlings.
Affirm · Shop Pay InstallmentsHSA/FSA
Checked Nov 14, 2026
Visit Lettuce Grow
Linens & Hutch
Pay laterHome decor & garden
Sells bed sheets, duvet covers, comforters and quilts.
Shop Pay Installments · Cash App Afterpay · Sezzle
Checked Nov 11, 2026
Visit Linens & Hutch
Macy's
Pay laterDepartment stores & marketplaces
Department store chain selling clothing, shoes, beauty, jewelry and home goods online and in stores nationwide.
Klarna
Checked Nov 10, 2026
Visit Macy's
McGee & Co
Pay laterHome decor & garden
Home decor and furniture brand from Studio McGee selling furniture, lighting, rugs and accessories.
Affirm · Shop Pay Installments
Checked Nov 10, 2026
Visit McGee & Co
Michaels
Pay laterHome decor & garden
The largest arts and crafts retailer in North America, selling craft supplies, framing, seasonal decor and more.
Affirm
Checked Nov 10, 2026
Visit Michaels
Minky Couture
Pay laterHome decor & garden
Makes plush faux-fur minky blankets, including collegiate and custom designs.
Shop Pay Installments · Cash App Afterpay
Checked Nov 11, 2026
Visit Minky Couture
Mountain Crest Gardens
Pay laterHome decor & garden
Family-owned California nursery selling succulents and cacti online.
Klarna
Checked Nov 10, 2026
Visit Mountain Crest Gardens
Neiman Marcus
Pay laterDepartment stores & marketplaces
Luxury department store offering designer fashion, handbags, shoes, jewelry and beauty from top fashion houses.
Affirm
Checked Nov 10, 2026
Visit Neiman Marcus
Nordstrom
Pay laterDepartment stores & marketplaces
Upscale US department store for designer and everyday clothing, shoes, beauty and home goods.
Affirm · Cash App Afterpay
Checked Nov 10, 2026
Visit Nordstrom
One Kings Lane
Pay laterHome decor & garden
Sells designer furniture, home decor, rugs and lighting.
Affirm · Flex Pay by Upgrade
Checked Nov 13, 2026
Visit One Kings Lane
Outdoorica
Lease to ownHome decor & garden
Sells outdoor kitchens, grills and backyard products.
Katapult · PayTomorrow
Checked Nov 11, 2026
Visit Outdoorica
Perpay
Pay laterDepartment stores & marketplaces
Marketplace selling electronics, home goods and clothing from brands like Apple and KitchenAid, paid back from your paycheck.
Perpay
Checked Nov 13, 2026
Visit Perpay
Sam's Club
Pay laterDepartment stores & marketplaces
Walmart's membership warehouse club, selling groceries, electronics, furniture, tires and household goods in bulk.
Affirm · Synchrony credit card
Checked Nov 14, 2026
Visit Sam's Club
Schoolhouse
Pay laterHome decor & garden
American-made lighting, furniture and home goods with a vintage feel.
Shop Pay Installments
Checked Nov 10, 2026
Visit Schoolhouse
Shein
Pay laterDepartment stores & marketplaces
Online fast-fashion marketplace selling very low-priced clothing, accessories and home goods.
Klarna · Affirm
Checked Nov 10, 2026
Visit Shein
Shutterfly
Pay laterHome decor & garden
Prints photo books, cards, wall art and personalized gifts.
Cash App Afterpay
Checked Nov 10, 2026
Visit Shutterfly
Sijo
Pay laterHome decor & garden
Sells eucalyptus and linen performance bedding, comforters and sleepwear.
Klarna · Shop Pay Installments
Checked Nov 10, 2026
Visit Sijo
Snapfish
Pay laterHome decor & garden
Prints personalized photo books, prints, cards, canvas and photo gifts.
Cash App Afterpay
Checked Nov 10, 2026
Visit Snapfish
Tailored Canvases
Pay laterHome decor & garden
Sells canvas wall art, prints and personalized wall decor.
Sezzle
Checked Nov 11, 2026
Visit Tailored Canvases
Target
Pay laterDepartment stores & marketplaces
Big-box retailer selling household essentials, groceries, clothing, electronics and home décor online and in stores.
Klarna · Affirm · PayPal Pay Later
Checked Nov 10, 2026
Visit Target
The Citizenry
Pay laterHome decor & garden
Handcrafted home goods, rugs, furniture and decor made with artisans around the world.
Shop Pay Installments
Checked Nov 10, 2026
Visit The Citizenry
The Happy Planner
Pay laterHome decor & garden
Sells customizable planners, notebooks, stickers and planner accessories.
Shop Pay Installments · Cash App Afterpay
Checked Nov 11, 2026
Visit The Happy Planner
The Quilted Cow
Pay laterHome decor & garden
Sells quilting fabrics, patterns, notions and kits.
Klarna · Shop Pay Installments · Sezzle
Checked Nov 11, 2026
Visit The Quilted Cow
Trendy Tree
Pay laterHome decor & garden
Sells ribbon, deco mesh and wreath making supplies.
Shop Pay Installments · Sezzle
Checked Nov 11, 2026
Visit Trendy Tree
Trimleaf
Lease to ownHome decor & garden
Sells indoor growing equipment such as LED grow lights, grow tents, fans and climate controllers.
PayTomorrow
Checked Nov 11, 2026
Visit Trimleaf
Tumble
Pay laterHome decor & garden
Makes spill-proof, washable rugs and play mats.
Affirm · Shop Pay Installments · Cash App Afterpay
Checked Nov 11, 2026
Visit Tumble
Venus et Fleur
Pay laterHome decor & garden
Sells long-lasting preserved rose arrangements and floral gifts.
Shop Pay Installments · Cash App Afterpay
Checked Nov 11, 2026
Visit Venus et Fleur
Walmart
Pay laterDepartment stores & marketplaces
America's largest retailer, selling groceries, electronics, home goods, toys and clothing online and in thousands of stores.
Klarna
Checked Nov 10, 2026
Visit Walmart
Wish
Pay laterDepartment stores & marketplaces
Discount marketplace selling low-cost goods shipped directly from sellers, many overseas.
Klarna · Cash App Afterpay
Checked Nov 12, 2026
Visit Wish
Yankee Candle
Pay laterHome decor & garden
Sells scented jar candles, wax melts, diffusers and home fragrance.
Klarna · Cash App Afterpay
Checked Nov 10, 2026
Visit Yankee Candle
Zulily
Pay laterDepartment stores & marketplaces
Online discount retailer offering daily deals on clothing, home goods and kids' items.
Klarna · Shop Pay Installments · Cash App Afterpay
Checked Nov 10, 2026
Visit Zulily
No stores match. Try another word, or clear a filter.
Store offers and minimums are from each store’s website, checked Nov 14, 2026. Offers change and depend on your credit, so confirm at checkout. Know a store we missed? Tell us.
Questions about home decor & garden financing
Which home decor & garden stores offer financing?
We have confirmed 47 stores: Angelic Roots, AromaTech, Artful Home, Assouline, ban.do, Barefoot Dreams, Bed Bath & Beyond, Best Custom, Blinds.com, Blindster, BloomNation, Boutique Rugs, Boy Smells, Click and Grow, CV Linens, Diamond Art Club, Discount Pools Direct, Displate, Erin Condren, FiftyFlowers, Flamingo Estate, Hallmark, Hatteras Hammocks, Hobby Lobby, Homesick, Kate Minimalist, Lettuce Grow, Linens & Hutch, McGee & Co, Michaels, Minky Couture, Mountain Crest Gardens, One Kings Lane, Outdoorica, Schoolhouse, Shutterfly, Sijo, Snapfish, Tailored Canvases, The Citizenry, The Happy Planner, The Quilted Cow, Trendy Tree, Trimleaf, Tumble, Venus et Fleur, Yankee Candle. Each one was checked on the store's own website.
Which home decor & garden stores offer 0% APR?
These stores mention a 0% APR offer on their websites: Michaels. Whether you get 0% depends on your credit and the plan.
Does checking my rate affect my credit score?
Checking your rate or choosing a short pay-in-4 plan usually means a soft check, which does not affect your score. Longer monthly financing can need a full credit check, and loans may be reported to credit bureaus. Each store page shows the terms for the options it offers.
More categories
- Clothing & shoes 387
- Furniture & mattresses 363
- Beauty & personal care 164
- Auto & powersports 155
- Bikes, water & outdoors 147
- Cameras & electronics 138
- Fitness & sports 120
- Jewelry & watches 119
- Health & recovery 86
- Travel 71
- Baby & kids 64
- Home improvement 64
- Gaming PCs & computers 49
- Music 42
- Kitchen & coffee 39
- Glasses & eyewear 30
- Department stores & marketplaces 28
- Games & arcade 21
- Pets 19
- Tickets & events 10
- Food & grocery delivery 8
- Horse & equestrian 5
Meedsy is not a lender and does not make credit decisions. “Visit” links may be affiliate links, and we may earn a commission. That never changes which stores we list or what we say about them. Store names and logos belong to their owners. How we make money