Home Improvement: Pay Later and Financing at 64 Stores

Cabinets, HVAC systems, generators, saunas, safes and building kits are some of the biggest purchases for a home. These stores let you finance them online.

  • 64 stores confirmed
  • 8 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 70 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

  • Anker SOLIX

    Pay later

    Home improvement

    Sells Anker SOLIX portable power stations, solar generators, home backup batteries and solar panels.

    Klarna · Affirm · Shop Pay Installments

    Checked Nov 10, 2026

    Visit Anker SOLIX

  • AP Electric & Generators

    Pay later

    Home improvement

    Sells home standby, portable and industrial generators, transfer switches and generator parts from brands like Generac and Kohler.

    Bread Pay

    Checked Nov 9, 2026

    Visit AP Electric & Generators

  • Appliance Center

    Lease to own

    Home improvement

    Sells appliances, furniture, mattresses, cabinetry and flooring.

    Katapult

    Checked Nov 10, 2026

    Visit Appliance Center

  • Appliances 4 Less Omaha

    Lease to own

    Home improvement

    Sells new and scratch-and-dent home appliances at discount prices in Omaha, Nebraska.

    Acima · Snap Finance · Koalafi

    Checked Nov 11, 2026

    Visit Appliances 4 Less Omaha

  • Aquasana

    Pay later

    Home improvement

    Maker of whole-house and under-sink water filtration systems and filter pitchers.

    Affirm

    Checked Nov 10, 2026

    Visit Aquasana

  • Bedrosians Tile & Stone

    Pay later

    Home improvement

    Sells tile, stone and flooring for kitchens, bathrooms and floors.

    Bread Pay

    Checked Nov 13, 2026

    Visit Bedrosians Tile & Stone

  • Big Chill

    Pay later

    Home improvement

    Maker of retro-style kitchen appliances including ranges, fridges and dishwashers in bold colors.

    Affirm

    Checked Nov 10, 2026

    Visit Big Chill

  • BigBattery

    Pay later

    Home improvement

    Sells LiFePO4 lithium batteries and battery packs for solar, RV, marine, golf carts and off-grid power.

    Klarna · Affirm

    Checked Nov 10, 2026

    Visit BigBattery

  • Branch Basics

    Pay later

    Home improvement

    Sells plant-based cleaning concentrates and refill kits.

    Shop Pay InstallmentsHSA/FSA

    Checked Nov 14, 2026

    Visit Branch Basics

  • BuildDirect

    Pay later

    Home improvement

    Sells hardwood, vinyl, laminate and tile flooring plus project supplies online.

    Flex Pay by Upgrade

    Checked Nov 12, 2026

    Visit BuildDirect

  • Builder's Discount Center

    Pay later

    Home improvement

    Sells DIY building supplies such as deck and shed kits, flooring, lumber, cabinets and doors through drive-in stores and online.

    Bread Pay

    Checked Nov 9, 2026

    Visit Builder's Discount Center

  • CabinetSelect

    Pay later

    Home improvement

    Sells ready-to-assemble kitchen cabinets and bathroom vanities online, with free kitchen design help.

    Bread Pay

    Checked Nov 9, 2026

    Visit CabinetSelect

  • CliqStudios

    Pay later

    Home improvement

    Sells semi-custom kitchen and bathroom cabinets online, with free design help from US-based designers.

    Bread Pay

    Checked Nov 9, 2026

    Visit CliqStudios

  • Coway

    Pay later

    Home improvement

    Air purifier and water purifier brand selling home air quality and filtration products.

    Affirm · Shop Pay Installments

    Checked Nov 10, 2026

    Visit Coway

  • Dreame

    Pay later

    Home improvement

    Sells robot vacuums, wet-dry vacuums, cordless cleaners and robot lawn mowers.

    Klarna · Affirm · Shop Pay Installments +1HSA/FSA

    Checked Nov 10, 2026

    Visit Dreame

  • Dyson

    Pay later

    Home improvement

    Dyson's official store for cordless vacuums, hair dryers and stylers, air purifiers, fans and lighting.

    Affirm · Cash App Afterpay

    Checked Nov 10, 2026

    Visit Dyson

  • 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

  • Eufy

    Pay later

    Home improvement

    Smart home brand selling security cameras, video doorbells, robot vacuums and baby monitors.

    Affirm · Shop Pay InstallmentsHSA/FSA

    Checked Nov 10, 2026

    Visit Eufy

  • FactoryPure

    Pay later

    Home improvement

    Sells generators, pressure washers and outdoor power equipment.

    Affirm · Zip

    Checked Nov 11, 2026

    Visit FactoryPure

  • Find Your Bath

    Pay later

    Home improvement

    Sells home saunas, steam showers, bathtubs, cold plunges and bathroom fixtures.

    Bread Pay

    Checked Nov 9, 2026

    Visit Find Your Bath

  • Finnish Sauna Builders

    Pay later

    Home improvement

    Sells indoor and outdoor saunas, sauna heaters and wood stoves, kits and accessories from an Illinois sauna specialist.

    Bread Pay

    Checked Nov 9, 2026

    Visit Finnish Sauna Builders

  • Fleximounts

    Pay later

    Home improvement

    Sells overhead garage storage racks, shelving and storage systems.

    Klarna · Cash App Afterpay

    Checked Nov 10, 2026

    Visit Fleximounts

  • Greenworks

    Pay later

    Home improvement

    Battery-powered outdoor equipment brand selling lawn mowers, trimmers, blowers and chainsaws.

    Affirm · Shop Pay Installments

    Checked Nov 10, 2026

    Visit Greenworks

  • gunsafes.com

    Pay later

    Home improvement

    Online store for gun safes, home safes and vault doors.

    Affirm

    Checked Nov 10, 2026

    Visit gunsafes.com

  • Heat & Cool

    Both

    Home improvement

    Sells HVAC equipment such as ductless mini-splits, heat pumps, air conditioners and furnaces for DIY and contractor installs.

    Bread Pay · PayTomorrow

    Checked Nov 11, 2026

    Visit Heat & Cool

  • Ingrams Water & Air

    Pay later

    Home improvement

    Sells central air conditioners, heat pumps, furnaces, geothermal systems and water filtration equipment at wholesale prices.

    Bread Pay

    Checked Nov 9, 2026

    Visit Ingrams Water & Air

  • iRobot

    Pay later

    Home improvement

    Maker of Roomba robot vacuums and Braava robot mops, sold direct with accessories and replacement parts.

    Affirm

    Checked Nov 10, 2026

    Visit iRobot

  • Jackery

    Pay later

    Home improvement

    Sells portable power stations, solar generators and solar panels for home backup and camping.

    Klarna · Affirm · Shop Pay Installments +1

    Checked Nov 10, 2026

    Visit Jackery

  • Kreg Tool

    Pay later

    Home improvement

    Makes pocket-hole jigs, clamps and woodworking tools for DIY projects.

    Affirm · PayPal Pay Later

    Checked Nov 10, 2026

    Visit Kreg Tool

  • Levoit

    Pay later

    Home improvement

    Makes air purifiers, humidifiers, fans and vacuums for the home.

    Cash App Afterpay

    Checked Nov 10, 2026

    Visit Levoit

  • Liberty Safe

    Pay later

    Home improvement

    Sells US-made fire-rated gun safes, home safes and safe accessories.

    Bread Pay

    Checked Nov 9, 2026

    Visit Liberty Safe

  • Lockly

    Pay later

    Home improvement

    Sells fingerprint and smartphone-controlled smart locks and video doorbells.

    Klarna · Shop Pay Installments

    Checked Nov 10, 2026

    Visit Lockly

  • Lowe's

    Both

    Home improvement

    Home improvement chain selling appliances, tools, building materials, lawn and garden and home decor.

    Affirm · Synchrony credit card · Progressive Leasing

    Checked Nov 14, 2026

    Visit Lowe's

  • Mammotion

    Pay later

    Home improvement

    Sells robot lawn mowers and robotic pool cleaners.

    Klarna · Affirm · PayPal Pay Later

    Checked Nov 10, 2026

    Visit Mammotion

  • Myers Appliance

    Lease to own

    Home improvement

    Sells kitchen appliances and mattresses from its Ravenna, Ohio store.

    Katapult

    Checked Nov 10, 2026

    Visit Myers Appliance

  • Nanoleaf

    Pay later

    Home improvement

    Sells smart LED light panels, gaming lights and red light wellness devices.

    Klarna · Shop Pay Installments

    Checked Nov 10, 2026

    Visit Nanoleaf

  • Narwal

    Pay later

    Home improvement

    Sells robot vacuum-mops, cordless vacuums and wet-dry floor cleaners.

    Klarna · Shop Pay Installments · Cash App Afterpay

    Checked Nov 10, 2026

    Visit Narwal

  • Ninja Transfers

    Pay later

    Home improvement

    Sells custom DTF and UV heat transfers and blank apparel for printers.

    Klarna · Affirm · Shop Pay Installments +2

    Checked Nov 11, 2026

    Visit Ninja Transfers

  • OC Tool House

    Both

    Home improvement

    Sells pro-grade tools for contractors and DIYers.

    Affirm · Cash App Afterpay · Snap Finance

    Checked Nov 10, 2026

    Visit OC Tool House

  • Oransi

    Pay later

    Home improvement

    Sells HEPA air purifiers and replacement filters.

    Affirm

    Checked Nov 14, 2026

    Visit Oransi

  • Philips Hue

    Pay later

    Home improvement

    Sells Philips Hue smart lights, light strips, bridges and smart home security.

    Klarna

    Checked Nov 10, 2026

    Visit Philips Hue

  • Pioneer Mini Split

    Pay later

    Home improvement

    Brand selling DIY-friendly ductless mini-split heat pumps and air conditioners.

    Affirm · Shop Pay Installments · Flex Pay by Upgrade

    Checked Nov 12, 2026

    Visit Pioneer Mini Split

  • PowerSave AC

    Pay later

    Home improvement

    Online store for ductless mini-split air conditioners and heat pumps.

    Affirm

    Checked Nov 10, 2026

    Visit PowerSave AC

  • Prime Cabinetry

    Both

    Home improvement

    Sells ready-to-assemble and assembled kitchen and bathroom cabinets online at wholesale prices.

    Bread Pay · PayTomorrow

    Checked Nov 11, 2026

    Visit Prime Cabinetry

  • Rabbit Air

    Pay later

    Home improvement

    Sells quiet HEPA air purifiers and replacement filters.

    Affirm · Shop Pay InstallmentsHSA/FSA

    Checked Nov 14, 2026

    Visit Rabbit Air

  • Renogy

    Pay later

    Home improvement

    Sells solar panels, lithium batteries, inverters and off-grid power systems.

    Klarna · Affirm

    Checked Nov 10, 2026

    Visit Renogy

  • Roborock

    Pay later

    Home improvement

    Robot vacuum brand selling robot vacuum-mop combos, wet-dry vacuums and accessories.

    Affirm · Shop Pay Installments

    Checked Nov 10, 2026

    Visit Roborock

  • Rockin Toolboxes

    Both

    Home improvement

    Sells professional tool boxes, tool chests and storage, including scratch-and-dent deals.

    Affirm · Katapult

    Checked Nov 10, 2026

    Visit Rockin Toolboxes

  • Rockler

    Pay later

    Home improvement

    Sells woodworking tools, hardware, finishing supplies and project plans.

    PayPal Pay Later

    Checked Nov 10, 2026

    Visit Rockler

  • Segway Navimow

    Pay later

    Home improvement

    Segway's store for wire-free robotic lawn mowers.

    Affirm · Shop Pay Installments

    Checked Nov 10, 2026

    Visit Segway Navimow

  • Senville

    Pay later

    Home improvement

    Brand selling ductless mini-split air conditioners and heat pumps.

    Affirm

    Checked Nov 10, 2026

    Visit Senville

  • ShopAppliances

    Pay later

    Home improvement

    Online appliance retailer selling major kitchen and laundry appliances.

    Affirm

    Checked Nov 10, 2026

    Visit ShopAppliances

  • Swing Design

    Pay later

    Home improvement

    Sells DTF printing supplies and laser engraver accessories.

    Affirm · Shop Pay Installments · Sezzle

    Checked Nov 11, 2026

    Visit Swing Design

  • 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 AC Outlet

    Both

    Home improvement

    Online HVAC retailer selling central AC, heat pumps, furnaces and mini splits.

    Affirm · PayTomorrow

    Checked Nov 11, 2026

    Visit The AC Outlet

  • The Home Depot

    Pay later

    Home improvement

    Sells home improvement supplies, tools, appliances, building materials and garden products.

    PayPal Pay Later

    Checked Nov 10, 2026

    Visit The Home Depot

  • The RTA Store

    Pay later

    Home improvement

    Sells ready-to-assemble kitchen and bathroom cabinets, garage cabinets and vanities online.

    Bread Pay · Klarna · Affirm +1

    Checked Nov 11, 2026

    Visit The RTA Store

  • The Stainless Depot

    Pay later

    Home improvement

    Sells sublimation tumblers, drinkware blanks and prints.

    Shop Pay Installments · Sezzle

    Checked Nov 11, 2026

    Visit The Stainless Depot

  • Tractor Supply Co.

    Pay later

    Department stores & marketplaces

    Rural lifestyle retailer selling farm supplies, feed, pet food, tools, outdoor power equipment and workwear.

    Klarna

    Checked Nov 10, 2026

    Visit Tractor Supply Co.

  • Transfer Kingdom

    Pay later

    Home improvement

    Sells custom DTF transfers and blank apparel.

    Shop Pay Installments · Sezzle

    Checked Nov 11, 2026

    Visit Transfer Kingdom

  • TUSHY

    Pay later

    Home improvement

    Sells bidet attachments, warm water bidets and bathroom accessories.

    Shop Pay InstallmentsHSA/FSA

    Checked Nov 14, 2026

    Visit TUSHY

  • US Water Systems

    Pay later

    Home improvement

    Maker of water softeners, filtration and reverse osmosis systems.

    Affirm · Shop Pay Installments

    Checked Nov 10, 2026

    Visit US Water Systems

  • VersaTube

    Pay later

    Home improvement

    Sells DIY steel building kits such as carports, garages, workshops and pavilions.

    Bread Pay

    Checked Nov 9, 2026

    Visit VersaTube

  • 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

  • Waterdrop

    Pay later

    Home improvement

    Sells reverse osmosis systems, under-sink and countertop water filters.

    Klarna · Shop Pay Installments

    Checked Nov 10, 2026

    Visit Waterdrop

  • Window Cleaning Resource

    Pay later

    Home improvement

    Sells professional window cleaning tools, supplies and training.

    Shop Pay Installments · Sezzle

    Checked Nov 11, 2026

    Visit Window Cleaning Resource

  • xTool

    Pay later

    Home improvement

    Makes laser cutters, engravers and craft cutting machines plus materials and accessories.

    Affirm · Shop Pay Installments · Cash App Afterpay +1

    Checked Nov 11, 2026

    Visit xTool

  • Yarbo

    Pay later

    Home improvement

    Makes modular yard robots for mowing, snow removal and leaf blowing, plus parts.

    Affirm · Shop Pay Installments · Cash App Afterpay +2

    Checked Nov 11, 2026

    Visit Yarbo
Showing 24 of 70

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 improvement financing

Which home improvement stores offer financing?

We have confirmed 64 stores: Anker SOLIX, AP Electric & Generators, Appliance Center, Appliances 4 Less Omaha, Aquasana, Bedrosians Tile & Stone, Big Chill, BigBattery, Branch Basics, BuildDirect, Builder's Discount Center, CabinetSelect, CliqStudios, Coway, Dreame, Dyson, Eufy, FactoryPure, Find Your Bath, Finnish Sauna Builders, Fleximounts, Greenworks, gunsafes.com, Heat & Cool, Ingrams Water & Air, iRobot, Jackery, Kreg Tool, Levoit, Liberty Safe, Lockly, Lowe's, Mammotion, Myers Appliance, Nanoleaf, Narwal, Ninja Transfers, OC Tool House, Oransi, Philips Hue, Pioneer Mini Split, PowerSave AC, Prime Cabinetry, Rabbit Air, Renogy, Roborock, Rockin Toolboxes, Rockler, Segway Navimow, Senville, ShopAppliances, Swing Design, The AC Outlet, The Home Depot, The RTA Store, The Stainless Depot, Transfer Kingdom, TUSHY, US Water Systems, VersaTube, Waterdrop, Window Cleaning Resource, xTool, Yarbo. Each one was checked on the store's own website.

Which home improvement stores offer 0% APR?

These stores mention a 0% APR offer on their websites: CabinetSelect, CliqStudios, Dyson, Finnish Sauna Builders, Ingrams Water & Air, Liberty Safe, Prime Cabinetry, The RTA Store. Whether you get 0% depends on your credit and the plan.

What is the lowest minimum purchase?

Among stores that list a minimum, the lowest are The RTA Store ($30), Lowe's ($35), Builder's Discount Center ($50). Many stores accept financing from about $50.

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

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