Best Sofa Financing Options to Spread Out Your Payments in 2025

Buying a new sofa can be expensive, but several reputable retailers and financing services now offer affordable, interest-free or low-interest payment plans. These options help you enjoy your perfect couch today and pay it off over time-many without impacting your credit score. Below are six great ways to finance a sofa in 2025.

1. Abunda

2. Ashley Furniture

3. Value City Furniture

4. Joybird

5. Jordan’s Furniture

6. Roomstogo

Abunda partners with Amazon to offer no-credit-check financing for sofas, allowing you to choose from Amazon’s massive catalog and pay in monthly installments. With options through companies like PayPal, Klarna, Affirm and Acima, you select a repayment schedule that fits your budget—no surprises or hidden fees.

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Ashley Furniture provides easy financing via its Ashley Advantage® credit card. Cardholders can access special promotions like 24-month interest-free plans on qualifying purchases over $999. It’s a solid option for shoppers who prefer brick-and-mortar stores with extended payment ability.

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Value City offers flexible, equal‑payment installment loans with 0% APR under its Synchrony Pay Later program. You can choose 6-, 12-, or even 50-month no-interest plans on qualifying purchases. With credit approval, you know exactly what you owe every month without interest.

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Joybird offers interest-free financing through Affirm for 6, 12, or 18-month terms, depending on your purchase. The process is transparent—no hidden fees, and you’ll see your total amount upfront. Approval is fast and requires just a soft credit check that won’t affect your score.

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Jordan’s Furniture, in partnership with TD Bank, offers interest-free options for 24, 36, 48, or even 60 months on qualifying purchases. Minimum purchase thresholds apply ($1,999–$3,499), and monthly payments are fixed for clarity. It’s a great way to afford substantial furniture with manageable payments.

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Rooms To Go provides multiple financing solutions: Affirm and Katapult installment loans, no-credit lease-to-own via Acima, and Synchrony credit card plans offering interest-free periods up to 55 months. You can mix and match based on credit, budget, and desired payoff structure.

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