Does Wayfair Accept Afterpay

Are you looking for a store that sells home décor and furniture in the US? Look no further as Wayfair is the ultimate home store for you. Unlike other conventional stores you might out there, this one mostly sells its products online. Besides home décor and furniture, you will find an array of beddings, appliances, rugs, lighting fixtures and other home improvements items in this store. As we speak, this is one of the best online home stores you can find in the US. Interestingly, this online store has over 14 million goods from more than 11000 global vendors from all parts of the world. As a result, this store is one of the best online stores one can consider whenever he or she wants to remodel his or her home. However, one question that lingers in the minds of many online shoppers is whether this Wayfair home store accept Afterpay or not. In this article, we shall take a closer look at whether this Wayfair home store accept Afterpay, alongside other related facets.

What Is Afterpay?

Have you ever wanted to purchase an item but you hardly have sufficient funds to purchase your desired item upfront? In most cases, most people end up either forfeiting the product or taking a small loan in order to cater for such expenses. To make it easier for buyers to purchase their desired products even when operating on a budget, financial companies began what is commonly known as Buy Now Pay Later financing.

With this kind of financing, any prospective customer is able to purchase an item upfront and be able to service the loan awarded later. Afterpay is one of those companies that offer Buy now pay later financing. Currently, this company not only serves customers residing in the US, but also those living in countries such as New Zealand, Australia, France, United Kingdom, Spain and Canada.

How Does Afterpay Work?

Since you already have an idea of what Afterpay is, time is ripe for you to know how it works. Like we stated above, this company allows you to purchase your desired item now and pay later devoid of any interest. Unlike other financial companies that are strict with credit checks, this one does not check such details. Also, you will not be charged extra dime for late payments.

As we speak, thousands of retail stores have now accepted to work with Afterpay so that their customers can be able to purchase their desired items even when they are operating on a budget. Once you choose to purchase with Afterpay, your payment will be split into 4 main installments.

However, you will be required to make a down payment for the item you want to buy. Thereafter, you will be given a period of 6 weeks in order to complete the pending payments. It is imperative to note that Afterpay has not set a specific amount that one should pay as deposit or downpayment. Instead, this amount is usually decided by the retailer you are dealing with.

If you are dealing with an online store, you just need to choose Afterpay as your desired payment method at the checkout. Here, you will be able to create an Afterpay account on the go and thus make the first payment. Thereafter, you will be able to complete the checkout process. Once you checkout, all the items you had ordered from the store will be shipped to you shortly.

On the other hand, if you had purchases using Afterpay as your referred payment method at the brick-and-mortar store near you, you will be required to download the Afterpay app.

Thereafter, create an account and then click on the ‘Card’ option that you will see on the app. By doing so, you will be creating a virtual Afterpay card that can add to platform such as Google Pay or Apple Pay. After that, you can use the app to make payment as required.

Upon making your payment, you are liberty to log in to the app and then establish when you should make your next payment. Here, you will not only see the date to make your next payment but also the amount that you should pay next as an installment.

Does Wayfair Accept Afterpay?

Yes. Wayfair now allows its customers to pay using Afterpay. After all, Wayfair is one of the many online home stores that accept Afterpay Buy now pay later financing. Thereafter, you can go ahead and use Afterpay like illustrated above on Wayfair and be good to go. Here, you will enjoy more convenience as you be able to purchase your desired item upfront, irrespective of its price and be able to repay for the loan offered later in form of budget-friendly installments.

Does Wayfair Accept Other Forms Of Payments?

Yes. Besides Wayfair accept Afterpay, you can now use other methods to finance your purchase at Wayfair. Some of these methods include:

1. Pay with cash

Unlike other methods that might accrue some interest and additional fees over time, using cash is always a good idea. However, you should be moderate with how you spend your money in order to avoid getting into debts or wiping out all your savings. More importantly, you can keep some funds aside in order to cater for any emergency expense you might have at home.

Once you visit the physical Wayfair store in Natick, Massachusetts, you can always use cash to purchase the items you want. There is also another physical store in Florence, KY, where you can visit and purchase returned goods in pristine condition.

2. Use Wayfair credit card

With the Wayfair credit card, you will be able to get reward points for all the purchases you make at this store. Once you earn these reward points, you can always redeem them and save more on your shopping.

Once you sign up for this card, you will be able to get $40 off once you purchase goods worth $250 or more. With this card, you can either opt to get enjoy the rewards or even choose a financing plan for your purchases. In case you choose the former, you will get 5% back as your rewards.

On the other hand, you can choose different financing offers depending on the amount spent on your purchases. These include:

  • 6-month financing for orders that cost $199 and above
  • 12-month financing for orders that cost $499 and above.
  • 18-month financing for orders that are $1499 and beyond
  • 24-month financing on orders that are over $2,999

In case you purchase goods that are beyond $2999, you can enjoy other financing plans such as:

  • 9.99% APR for 36 months for orders that are above $2999.
  • 48-month financing for orders that are above $3999.
  • 60-month financing for orders that are above $4999.

For you to apply for the Wayfair credit card, you need to be 18 years and above. Also, you will be required to provide your Social Security Number and your physical U.S address. In addition, you will be required to submit details such as your total annual net income, your monthly housing payment, among others.

3. Wayfair MasterCard

Unlike the card we have discussed above, this one can be used in nearly all retail stores that accept MasterCards. Besides this, the card allows you to earn 5% back in form of reward dollars on all the purchases you make at Wayfair.

In case you choose to use the card to purchase groceries at the nearest grocery stores, be sure that you will get 3% back in reward dollars. On the other hand, if you use it online to shop, know that you will get 2% in reward dollars. Finally, if you use it elsewhere, you will get 1% back in reward dollars. Thankfully, the reward dollars hardly expire. However, you can only redeem them on Wayfair websites.

When it comes to financing options, they are the same as those of the Wayfair Credit card. Therefore, you can refer to the above-mentioned details to learn more. As far as the application for this card is concerned, it is the same as that of a Wayfair Credit card.

In fact, once you make your application for Wayfair credit card, you are also considered for the Wayfair MasterCard. In case you are approved to have both, it is upon you to choose the card you will be using to purchase at this online home store.

Other payment options allowed or accepted at Wayfair include:

  • Personal loan
  • Affirm loan
  • Zero-interest credit card
  • Payday advance app

Frequently Asked Questions (FAQ)

Can I use Afterpay to pay bills?

Not really. This is because Afterpay is purposely meant for shopping purposes. Here, you can use this platform to make payment at an online store or in an in-store near you.

Does Afterpay have a credit limit?

Well, it depends. However, the spending limits here differ from one individual to another. For instance starters can enjoy spending limits of $500.In case they are able to repay the loan in good time, chances are that this limit will increase over time. Other factors that this platform looks at in order to award shoppers loans to make purchases include:

  • The amount you have to pay off
  • The amount of time you have been using Afterpay
  • Value of the orders you want to purchase
  • Whether you have enough funds to make the first deposit
  • The number of open orders you have at that moment.

Is Afterpay safe?

Yes. This platform is very safe to use as your preferred Buy Now Pay Later financing option. After all it is a Payment Card Industry Dara Security Standards (PCIDSS) level 1 certified compliant service provider organization. Therefore, the platform is safe to use.

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