Revamp Your Space Today and Pay Later With Expert Furniture Picks

Is your living space craving a makeover, but you’re held back by the price tag of quality furniture and décor? Look no further; we’ve got you covered.

In this blog, we’ve created a list of top picks ranging from chic dining sets and luxurious sectionals to cozy chairs and mesmerizing fireplaces. And the best part?

With the convenience of Buy Now, Pay Later, you do not have to worry about the hefty cost, as you can break it into easy installments and decorate your interior without worrying about price.

Read on to discover how you can revamp your space today and pay later!

Serenity 4-piece Queen Sleigh Bedroom Set

Looking to upgrade your bedroom? Meet the Serenity 4-piece Queen Sleigh Bedroom Set in Mod Grey. This set instantly elevates any room with its sleek, modern design and sturdy construction.

The platform bed features a unique open slat headboard that’s airy and stylish, perfect for smaller rooms. The mod grey finish is neutral, highlighting the wood grains while fitting seamlessly into various color schemes.

Storage won’t be an issue; the set includes a spacious dresser, a nightstand, and a mirror. All drawers glide smoothly and come with brushed nickel knobs for that extra touch of elegance.

Made from durable Asian hardwood, tropical wood, and okume veneer, this set is built to last. Available in all bed sizes and also in a rich merlot finish, this bedroom set offers both versatility and timeless appeal.

Hallenberg 3-Piece Sectional

This is a contemporary seating solution that brings both style and comfort to your living space. Manufactured by Signature Design, this sectional comes in a fog-hued, tweed-weave fabric that offers a soft and inviting look.

Its clean lines and track arms are elegantly accented with black nickel-tone nailhead trim, adding a sophisticated touch to its design.

The sectional is composed of three pieces: a right-arm facing sofa with corner wedge, an armless chair, and a left-arm facing loveseat.

Durability is a key feature, thanks to its corner-blocked frame. The cushions are both attached at the back and loose at the seat, filled with high-resiliency foam wrapped in thick poly fiber for long-lasting comfort. The set includes seven accent pillows filled with soft polyfill, enhancing its aesthetic appeal.

Want to decorate but scared of splurging beyond your budget? Style now, pay later. With the convenience of Buy Now, Pay Later, affordability is now at your fingertips.

Spring Creek Dining Room Set

Designed by CoasterEssence, this dining set effortlessly combines minimalist design with natural elements for a refined aesthetic.

The set comprises one dining table and six side chairs, ensuring you have a complete solution for your dining needs.

The table showcases an open U-frame base and a versatile walnut veneer tabletop with unique wood grain details.

For those occasions when you have additional dinner guests, the table comes with an 18-inch extension leaf that operates smoothly on wooden glides with metal gears.

Gemma Accent Chair

Introduce a touch of elegance to your living area with the Gemma Accent Chair by H.M. RICHARDS. This chair embodies a perfect blend of style and comfort that will surely make it the centerpiece of any room.

Crafted in a farmhouse style, the chair features classic rolled arms and piping details that instantly capture attention. The fabric is made of high-quality polyester, ensuring durability while offering a plush, cozy feel.

Whether you place it in your living room, study, or bedroom, its versatile design and lovely pattern make it a perfect match for various interior styles.

ArchDuke Accent Chair

Looking for that wow-factor in your home decor? This chair set might just be the answer! These chairs are the epitome of mid-century modern elegance, offering both style and comfort in spades.

With their bold lines and luxurious faux leather upholstery, these are more than just chairs, they’re a style statement.

Coming in a chic combination of white and amber, they’ll easily harmonize with a range of interiors while adding a splash of modern sophistication. The faux leather material not only looks upscale but also offers a durable and comfortable seating experience.

Soriah Armoire

With its transitional style, it seamlessly fits into both modern and traditional settings. Supported by sturdy bun feet and characterized by upper drawer notched-out fronts, this armoire exudes class.

The antique pewter hardware adds just the right touch of vintage flair. Versatility? It’s got plenty.

Configure it in two ways: either as shown or with the door covering the drawers, leaving open shelf storage. Made with pine solids and mindy veneer, it’s finished in a warm gray stain that reveals exquisite wood graining.

Freestanding Fireplace Mirror by CoasterEssence

This fireplace is as beautiful as it is functional. The frame is full of crushed crystals and mirror tiles. Want a romantic evening or a cozy reading night?

Simply turn on the electric fireplace. It comes with a remote control for easy operation and can heat indoor spaces of up to 400 square feet. But the wow factor doesn’t stop at the fireplace.

The mantel top invites you to showcase your favorite decor items or even additional candles for that extra romantic vibe.

Stoneland Reclining Sofa

Are you torn between the sleek allure of leather and the cozy comfort of fabric? The Stoneland Reclining Sofa offers you the best of both worlds. This dual-sided recliner (with a stationary middle seat) is crafted with a corner-blocked frame and metal reinforced seats for durability.

But it doesn’t stop at sturdiness; this sofa packs a punch in the comfort department too. The high-resiliency foam cushions are wrapped in thick poly fiber and enveloped in faux leather upholstery that’s not just visually appealing but also remarkably easy to clean.

Perfect for family living, this sofa features channel-stitched back cushions for indulgent lumbar support and fashion-forward flair. With dimensions that provide generous seating space, this sofa turns any living room into a haven of comfort.

Polo Power Lift Recliner

Mobility issues or not, everyone deserves a touch of luxury and convenience in their life, and the Polo Power Lift Recliner provides just that. Designed with chaise pad construction, it offers head-to-toe comfort at the mere push of a button.

Quiet, smooth, and incredibly functional, this lift chair transitions from a reclined position to assist you in standing up, making it ideal for anyone who requires help in seated-to-standing movements.

With a total recline length of 63 inches, it’s spacious enough for a nap or a cozy TV binge-watching session. The recliner also comes with a USB port in the remote for easy phone or tablet charging.

Caitbrook 5pc Dining Set

If you’re after a dining set that perfectly balances sophistication and casual elegance, look no further than the Caitbrook 5-piece Dining Set. With an antiqued gray wash finish, this dining set gives your space a casually cool vibe.

The clean-lined design makes it a perfect fit for modern settings. But it’s not just good to look at; it’s functional too. The table features side shelves that offer extra storage without sacrificing style.

The classic x-back design and textured gray upholstery of the stools serve up high style along with comfort.

Our Favorites When Purchasing With BNPL

LutherSales

In the fast-changing world of Buy Now, Pay Later (BNPL) services, LutherSales is a star that can’t be ignored. Known for putting customers first and offering flexible ways to pay, they’ve been a reliable name in the game for over 50 years. Why does this matter? Because when it comes to smart, hassle-free financing, LutherSales has our back with a variety of top-notch products to choose from.

Even when stacked against tough competitors, LutherSales clearly stands out. What sets them apart? A combo of customer-friendly credit options and a support team that’s always there when needed. The best part? They’re not going to judge anyone for past financial mistakes. They get it, life happens. That’s why we wholeheartedly say LutherSales is a solid go-to for BNPL financing. Their long history of excellent service only adds to our rock-solid faith in what they offer.

Pros

Flexible credit plans offer extended pay off times if necessary
Credit history is not even part of their process
A really fast and simple application
Helpful in-house customer service agents
A vast array of the best brands and high-quality products

Cons

Proof of employment of at least a year is required
Products can sell out fast

Affirm

In the dynamic arena of Buy Now, Pay Later (BNPL) financing, Affirm functions as a linchpin connecting careful shoppers with reputable merchants. When you set up an account with Affirm, understand that your financing terms are often steered by the merchant you choose to shop with. But here’s the silver lining: stick with Affirm, and you’re not just another account number. You’re setting yourself on a path toward enhanced borrowing power and potentially even interest-free deals.

Navigating Affirm is like wielding a double-edged sword; it comes with its own bouquet of pros and cons. Are you financially disciplined with a good credit history? If so, a long-term relationship with Affirm can be your golden ticket to an array of perks and benefits. However, it’s worth noting that vigilance is your best friend here, mismanage your account, and you could find yourself grappling with added costs. And while Affirm’s broad alliance with numerous merchants broadens your shopping horizons, it does dilute your control over exact payment terms. Therefore, Affirm isn’t a one-size-fits-all solution; its suitability will dance to the rhythm of your own unique financial situation.

So, is Affirm your financial match made in heaven? That depends on you, but it certainly offers an expansive and flexible gateway for those who navigate it wisely.

Pros

Higher credit limits than other services is possible
Interest rates can be far lower than using a credit card
A “soft-pull” credit check doesn’t hurt their credit score

Cons

Interest rates can be as high as 30%
Limited options for payment plans with a 1-year maximum time frame
Credit score is a factor and will affect how much can be financed
The merchant decides your interest rate, not Affirm
They typically require a down payment, unlike many other services

Afterpay

Afterpay is a standout contender in the landscape of Buy Now, Pay Later options, offering an array of plans that have been meticulously crafted for those eager to embrace flexible spending. What sets Afterpay apart is its refined approach to credit evaluation. Yes, they may be a bit choosier than some, but this extra diligence is actually a lifeline, it streamlines your buying experience and frees you from the weight of financial uncertainty.

Here’s where it gets even better: With Afterpay, punctuality pays off, literally. Make your payments on time and you’ll navigate a stress-free journey devoid of hidden fees or surprise interest rates. It’s like sailing on a calm sea with a reliable map guiding you to your coveted possessions. Trustworthy and committed to empowering consumers, Afterpay has etched its name as an exceptional choice for anyone contemplating the Buy Now, Pay Later route.

In a nutshell, Afterpay is not just another BNPL option. It’s a reliable financial partner, dedicated to making any purchasing experience as smooth as silk while ensuring that the customer remain in control of your spending. So, for anyone on the hunt for a BNPL solution that marries flexibility with dependability, Afterpay should be high on the list.

Pros

Most loans are interest free unless a payment is missed
No credit history report check necessary
Instant approval for applicants

Cons

Interest rates as high as 25% may be charged if payments are missed
Limited choice of repayment schedules
Many major stores are don’t allow the use of Afterpay

MDG Finance

Navigating the ways of credit alternatives, MDG Finance emerges as a source of reliability, backed by over 30 years of sterling service. Imagine stepping into a world greeted with a generous spending limit of up to $3,000, coupled with a treasure trove of top-notch products just waiting to grace one’s home. And the cherry on top? And choose to pay over time through plans that are as flexible as a gymnast.

Here’s where MDG Finance gets refreshingly real: Someone don’t need a spotless credit score to get the green light. Their judicious blend of low starting payments and adaptable terms opens the door to a wide range of customers, proving that inclusivity isn’t just a buzzword, it’s their goal. There’s a catch, though; punctuality is key. Slip on a payment schedule, and watch the interest rate climb. However, for those who prize timely financial commitments, MDG Finance is akin to finding a rare gem in a sea of stones.

So if you’re scouting for a credit alternative that marries convenience with quality, look no further. MDG Finance isn’t just another service; it’s a trusted ally that lets people shop with both freedom and responsibility.

Pros

Flexible payment plans
Credit limits of up to $3,000
Low payment installments can fit almost any budget
Credit score may improve as on time payments are reported to credit bureaus

Cons

Missed payments will lead to high interest rates

FlexShopper

In the bustling Buy Now, Pay Later market, Flexshopper strides forth as a trailblazer with its inventive lease-to-own formula. Picture this: Instead of a prolonged repayment slog, you get the freedom to essentially “rent-to-own” quality products, with a payment runway that maxes out at just 12 months. It’s a brisk pace, for sure, but one that beckons irresistibly to those who crave the satisfaction of quicker ownership.

Dive into Flexshopper’s catalog, and you’ll find an array of products so diverse, it’s like a well-stocked marketplace right at your fingertips. Even better, getting started is a breeze. Their streamlined application process is engineered for speed and simplicity, ensuring you can set sail on your shopping journey without needless delays. Now, let’s be candid: Flexshopper’s financial framework isn’t a universal fit. With modest credit limits and a no-nonsense weekly payment cycle to dodge extra fees, it’s tailored for a very particular consumer mindset. This underscores the importance of doing your homework; it’s essential to measure whether Flexshopper’s terms harmonize with someone’s personal financial rhythm.

In a nutshell,for a shopper who relishes quick wins and a straightforward path to ownership, Flexshopper is the go-to partner in the BNPL realm. But remember, it’s always best to align a purchase strategy with a service that resonates with a unique financial tempo.

Pros

Affordable weekly payments, which can be as low as $4 for some items
Credit limit of up to $2,500 which is lower than its competitors

Cons

Limited to the FlexShopper website for product choices
The longer the payment plan, the more people will pay due to the interest rates

Our Takeaway

Revamping your living space has never been so easy. Whether drawn to a luxe sectional or a functional dining set, each item is an investment in comfort and style, turning a room into a place of beauty, fun, and relaxation.

But remember, a refreshed space doesn’t have to be a financial burden. With buy now, pay later, you can save yourself the financial stress and transform your living space easily!

BNPL Central is advertiser-supported: we may earn compensation from the products and offers mentioned in this article. However, any expressed opinions are our own and are not influenced by any compensation offered or taken. Read our full disclosure here.