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.

All stores 67 stores

  • Abunda

    Both

    Department 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 later

    Department 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 later

    Home decor & garden

    Sells crystals, minerals and Reiki healing tools.

    Shop Pay Installments · Sezzle

    Checked Nov 11, 2026

    Visit Angelic Roots
  • AromaTech

    Pay later

    Home decor & garden

    Sells essential oils, aroma oils and home fragrance diffusers.

    Shop Pay Installments · Sezzle

    Checked Nov 11, 2026

    Visit AromaTech
  • Artful Home

    Pay later

    Home decor & garden

    Handmade art, jewelry, furniture and decor from independent American artists.

    Shop Pay Installments

    Checked Nov 10, 2026

    Visit Artful Home
  • Assouline

    Pay later

    Home 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 later

    Home decor & garden

    Sells colorful planners, stationery, accessories, bags and gifts.

    Shop Pay Installments · Cash App Afterpay

    Checked Nov 11, 2026

    Visit ban.do
  • Home 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 own

    Home decor & garden

    Sells furniture, bedding, rugs and kitchen essentials online.

    Progressive Leasing

    Checked Nov 10, 2026

    Visit Bed Bath & Beyond
  • Best Custom

    Pay later

    Home decor & garden

    Sells personalized gifts and custom ornaments.

    Shop Pay Installments · Sezzle

    Checked Nov 11, 2026

    Visit Best Custom
  • Big Lots

    Lease to own

    Department stores & marketplaces

    Sells discounted furniture, home goods and seasonal items in stores.

    Progressive Leasing

    Checked Nov 10, 2026

    Visit Big Lots
  • Blinds.com

    Pay later

    Home decor & garden

    Online retailer of custom window blinds, shades, shutters and drapes.

    Affirm

    Checked Nov 10, 2026

    Visit Blinds.com
  • Blindster

    Pay later

    Home decor & garden

    Sells custom blinds, shades and shutters made to measure.

    PayPal Pay Later

    Checked Nov 10, 2026

    Visit Blindster
  • Department 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 later

    Home decor & garden

    Delivers flowers and bouquets from local florists across the US.

    Cash App Afterpay

    Checked Nov 10, 2026

    Visit BloomNation
  • Boscov's

    Pay later

    Department 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 later

    Home 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 later

    Home 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 later

    Department 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
  • Home 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 later

    Department 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 later

    Home decor & garden

    Sells tablecloths, drapes, backdrops and event and wedding linens.

    Shop Pay Installments · Cash App Afterpay

    Checked Nov 11, 2026

    Visit CV Linens
  • Home 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
  • Home decor & garden

    Sells above-ground pools, pool accessories and outdoor grills.

    Katapult

    Checked Nov 10, 2026

    Visit Discount Pools Direct
  • Displate

    Pay later

    Home decor & garden

    Sells metal poster wall art, including licensed pop-culture and limited-edition designs.

    Klarna

    Checked Nov 10, 2026

    Visit Displate
  • eBay

    Pay later

    Department 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 later

    Home decor & garden

    Makes planners, notebooks, stickers and organization supplies.

    Cash App Afterpay

    Checked Nov 10, 2026

    Visit Erin Condren
  • Etsy

    Pay later

    Department 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 later

    Home decor & garden

    Sells wholesale fresh flowers for weddings and events.

    Shop Pay Installments · Sezzle

    Checked Nov 11, 2026

    Visit FiftyFlowers
  • Home 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 later

    Home decor & garden

    Sells greeting cards, Keepsake Christmas ornaments, gifts and home decor.

    PayPal Pay Later

    Checked Nov 10, 2026

    Visit Hallmark
  • Home 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 later

    Home 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 later

    Home decor & garden

    Scented soy candles inspired by places, memories and pop culture.

    Shop Pay Installments

    Checked Nov 10, 2026

    Visit Homesick
  • Home decor & garden

    Sells home essentials, lanterns and first aid kits.

    Sezzle

    Checked Nov 11, 2026

    Visit Kate Minimalist
  • Kohl's

    Pay later

    Department 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 later

    Home decor & garden

    Sells Farmstand hydroponic gardens and seedlings.

    Affirm · Shop Pay InstallmentsHSA/FSA

    Checked Nov 14, 2026

    Visit Lettuce Grow
  • Home 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 later

    Department 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 later

    Home 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 later

    Home 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 later

    Home 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
  • Home decor & garden

    Family-owned California nursery selling succulents and cacti online.

    Klarna

    Checked Nov 10, 2026

    Visit Mountain Crest Gardens
  • Neiman Marcus

    Pay later

    Department 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 later

    Department 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
  • Home 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 own

    Home decor & garden

    Sells outdoor kitchens, grills and backyard products.

    Katapult · PayTomorrow

    Checked Nov 11, 2026

    Visit Outdoorica
  • Perpay

    Pay later

    Department 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 later

    Department 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 later

    Home decor & garden

    American-made lighting, furniture and home goods with a vintage feel.

    Shop Pay Installments

    Checked Nov 10, 2026

    Visit Schoolhouse
  • Shein

    Pay later

    Department 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 later

    Home decor & garden

    Prints photo books, cards, wall art and personalized gifts.

    Cash App Afterpay

    Checked Nov 10, 2026

    Visit Shutterfly
  • Sijo

    Pay later

    Home decor & garden

    Sells eucalyptus and linen performance bedding, comforters and sleepwear.

    Klarna · Shop Pay Installments

    Checked Nov 10, 2026

    Visit Sijo
  • Snapfish

    Pay later

    Home decor & garden

    Prints personalized photo books, prints, cards, canvas and photo gifts.

    Cash App Afterpay

    Checked Nov 10, 2026

    Visit Snapfish
  • Home decor & garden

    Sells canvas wall art, prints and personalized wall decor.

    Sezzle

    Checked Nov 11, 2026

    Visit Tailored Canvases
  • Target

    Pay later

    Department 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 later

    Home 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
  • Home decor & garden

    Sells customizable planners, notebooks, stickers and planner accessories.

    Shop Pay Installments · Cash App Afterpay

    Checked Nov 11, 2026

    Visit The Happy Planner
  • Home 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 later

    Home decor & garden

    Sells ribbon, deco mesh and wreath making supplies.

    Shop Pay Installments · Sezzle

    Checked Nov 11, 2026

    Visit Trendy Tree
  • Trimleaf

    Lease to own

    Home 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 later

    Home decor & garden

    Makes spill-proof, washable rugs and play mats.

    Affirm · Shop Pay Installments · Cash App Afterpay

    Checked Nov 11, 2026

    Visit Tumble
  • Home 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 later

    Department 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 later

    Department 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 later

    Home 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 later

    Department 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
Showing 24 of 67

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.

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