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Flexible Financing Options Tailored for You
Artistry Living offers flexible financing options through Acima, Affirm, and PayPal to help customers furnish their homes affordably. Here's an overview of each financing partner:
Acima
Acima provides a lease-to-own program suitable for customers with fair or average credit scores.
- Fast Approvals: Instant approval with no credit needed.
- Initial Payment Required: An initial payment is required before receiving merchandise.
- Payment Flexibility: Options for bi-weekly, semi-monthly, or monthly payments, manageable online.
- No Upfront Costs: 100% financing with no money down beyond the initial payment.
- Early Payoff Discount: Potential savings by paying off the lease early.
Affirm
Affirm offers flexible payment options, allowing customers to split purchases into manageable installments.
- Pay in 4: Divide your purchase into four interest-free payments, due every two weeks.
- Monthly Installments: Spread the cost over 3, 6, 12, or up to 36 months.
- No Hidden Fees: No late fees, service fees, or prepayment penalties.
- Wide Acceptance: Available at thousands of retailers across various industries.
PayPal
PayPal provides two Buy Now, Pay Later (BNPL) options.
- Pay in 4: Split purchases between $30 and $1,500 into four interest-free payments.
- Pay Monthly: Installment plans with APRs from 9.99% to 35.99% for larger purchases.
PayPal Credit
PayPal Credit provides a digital, reusable credit line that allows you to buy now and pay over time.
- 6 Months No Interest: Pay off your balance in full within six months for no interest on purchases over $149. If the balance isn’t paid in full within that period, interest is charged from the purchase date.
- Where to Use It: Available at millions of online merchants that accept PayPal, including eBay and thousands of other online stores.
- Apply Instantly: Complete a short application and receive an instant approval decision.
- Easy Account Management: Check balances, make payments, and view transactions through your PayPal account on desktop, mobile, or tablet.
Compare Our Financing Options
| Feature | Acima | Affirm | PayPal | PayPal Credit | PayPal Cashback Mastercard® |
|---|---|---|---|---|---|
| Credit Needed | No Credit | Soft Credit Check | Soft Credit Check | Credit Approval | Good to Excellent Credit |
| Interest Rates | No interest if paid in 90 days | 0% - 36% | 0% (Pay in 4) | 0% for 6 months on $149+ | 20.24% - 32.24% Variable APR |
| Payment Flexibility | Bi-weekly, Monthly | 3 - 36 Months | Pay in 4, Monthly | Revolving Credit Line | Revolving Credit Line |
| Early Payoff Discount | Yes | No | N/A | N/A | N/A |
Frequently Asked Questions
Does applying affect my credit score?
Acima does not require a credit check. Affirm and PayPal conduct soft credit checks that won't impact your credit score. Applying for PayPal Credit and the PayPal Cashback Mastercard® involves a hard credit inquiry, which may affect your credit score.
What happens if I miss a payment?
Acima may charge fees for missed payments. Affirm and PayPal do not charge late fees, but missed payments can negatively impact your credit score. For PayPal Credit and the PayPal Cashback Mastercard®, missed payments may result in fees and interest charges, affecting your credit score.
How do I apply?
Click the "Apply" button under each financing option on Artistry Living's website to access the respective application page and begin the process. For PayPal Credit and the PayPal Cashback Mastercard®, ensure you have a PayPal account before applying.