Furniture Financing in Portland, Oregon – 0% Interest, Easy Monthly Payments
Furniture Financing in Portland — 0% Interest, Multiple Ways to Pay
Quality furniture is an investment. At What's New Furniture, we offer two financing options — Shop Pay Installments and Affirm — so you can bring home the piece you love today and pay over time. Whether it's a custom Stanton sofa, a solid wood dining table, or a complete bedroom set, there's a 0% interest plan that fits your budget.
Shop Pay Installments
- 2 or 4 bi-weekly payments at 0% APR — split any purchase into quick interest-free payments
- 6 monthly payments at 0% APR — half a year to pay, zero interest
- 6–24 monthly payments — longer terms available at 6–36% APR for larger purchases
Example: A $2,400 sofa with 6 monthly payments at 0% APR = $400/month, no interest.
Affirm
- Pay in 4 — 4 interest-free payments, any cart size
- 0% APR installment loans up to 24 months — the longest interest-free option available
Example: A $4,800 dining room set with Affirm at 0% APR for 24 months = $200/month. Furnish the whole room now, pay over two years interest-free.
Which Should I Choose?
| Shop Pay | Affirm | |
|---|---|---|
| Quick payoff | 2 or 4 bi-weekly at 0% | Pay in 4 at 0% |
| Medium term | 6 months at 0% | Up to 24 months at 0% |
| Longer term | 6–24 months at 6–36% APR | Up to 24 months at 0% APR |
| Best for | Smaller purchases, fast payoff | Larger orders, longest 0% term |
Bottom line: For purchases you want to pay off quickly, Shop Pay's bi-weekly option is easiest. For larger orders where you want the longest 0% APR window, Affirm's 24-month interest-free plan can't be beat.
What Can I Finance?
Both Shop Pay and Affirm work on everything we sell — new, custom, and consigned furniture:
- Sofas & couches — $800–$4,000+
- Sectionals — $1,500–$5,000+
- Bedroom furniture — bed frames, dressers, nightstands
- Dining tables — solid wood tables that last generations
- Sleeper sofas — dual-purpose pieces worth the investment
- Mid-century modern — quality MCM pieces hold their value
How to Apply
- Shop in-store or online — browse at whatsnewfurniture.com or visit 439 SE Grand Ave
- Choose Shop Pay or Affirm at checkout — both appear as payment options
- Get approved instantly — soft credit check, no impact on your score
- Take your furniture home — same-day delivery available on in-stock items
Frequently Asked Questions
Does applying affect my credit score?
No. Both Shop Pay and Affirm use a soft credit check that doesn't impact your score.
Can I finance custom furniture?
Yes. Stanton, Stylus, and Rowe custom orders are all eligible. Start payments while your piece is being built — it arrives in 4–6 weeks.
Can I finance consignment or used furniture?
Yes. Financing works on everything, including secondhand and vintage pieces.
Can I combine financing with a sale?
Yes. Financing applies after any discounts. Check our current deals.
What's the maximum I can finance?
Limits depend on your approval through Shop Pay or Affirm. Most customers are approved for more than enough to furnish a room.
Questions? Call 503-235-3454 or visit us at 439 SE Grand Ave, Portland, OR 97214. Open Monday–Saturday 10am–6pm, Sunday 11am–5pm.