Financing Options

Kern Comforts Furniture

Furnishing your home shouldn’t feel overwhelming or expensive upfront. At Kern Comforts Furniture, we offer flexible financing options so you can bring home modern comfort today and pay over time.

🟣 Shop Pay Installments (Powered by Affirm)

Split your purchase into manageable payments directly at checkout.

✔ How It Works

Pay in 4 (Interest-Free)
Divide your total into four easy biweekly payments with zero interest and no hidden fees.

Monthly Payment Plans
On qualifying purchases, choose from 3–12 month installment options. Interest may apply depending on eligibility.

Fast Approval
Apply directly at checkout. Most decisions are made instantly.

Credit-Friendly Option
“Pay in 4” does not require a hard credit check and will not impact your credit score.

Eligibility Requirements

To use Shop Pay Installments, you must:

• Be a U.S. resident
• Be 18 years or older
• Use a valid debit or credit card
• Meet the minimum order amount set by Shop Pay

Approval and available payment plans are determined during checkout.

How to Apply

  1. Add items to your cart

  2. Select Shop Pay at checkout

  3. Choose “Pay in 4” or a monthly payment plan

  4. Complete the quick approval process

It’s simple, secure, and built directly into our checkout experience.

Why Finance with Kern Comforts?

• Instant approval decisions
• No hidden fees
• Flexible payment options
• “Pay in 4” does not affect your credit score
• Ideal for larger furniture purchases or full-room upgrades

We believe quality furniture should be accessible — financing makes it easier to create the space you love.

Need Assistance?

For financing questions or help placing your order:

Email: info@kerncomforts.com

You may also use our live chat feature during business hours for faster assistance.

We’re here to help you furnish your home with confidence.