Product Financing with Affirm

Design Now, Pay Over Time

Pay over time with financing as low as 0% APR* and easy payments over 3, 6, or 12 months.

Modloft has partnered with Affirm to offer our customers a quick and easy way to apply for financing terms. With Affirm, you can purchase the furniture you want today and pay for it over time. Get a decision in seconds without leaving our site.

Say Yes With Confidence

When you buy with Affirm, you always know exactly what you'll owe and when you'll be done paying. You'll never pay a hidden fee - or any fee, for that matter.


Never pay more than the amount disclosed up front.


It only takes a moment, and checking your eligibility won't affect your credit score.


Affirm won't charge you late fees or penalties of any kind, ever.

Program Highlights

Simple, no-fuss financing

What you see at checkout is all you pay–at a schedule that suits your budget. With loans starting at 0% APR for 6, 12, or 18 months, choose the payment plan that works for you.

Frequenty Asked Questions

On any product page, click on the “Prequalify now” link below the Affirm logo. Simply provide the basic information that is requested. Pre-qualification does not affect your credit score. Our partner Affirm is committed to keeping your personal information secure and uses its technology to encrypt that data. If you are offered loan terms that are satisfactory to you, and have finished shopping, you can check out and complete your purchase right from Affirm’s application window. You will receive a confirmation email from Modloft. When your loan has started, Affirm will reach out to you directly to coordinate payments.

Your Affirm account is created using your name, email, mobile phone number, birthday, and the last 4 digits of your SSN. This combination helps Affirm verify and protect your identity.

Yes, but it will not affect your credit score. When you first create an Affirm account, Affirm performs a ‘soft’ credit check to help verify your identity and determine your eligibility for financing. This ‘soft’ credit check will not affect your credit score.

Yes, protecting your personal information is very important to Affirm. Affirm encrypt sensitive data including Social Security numbers. Affirm also maintains physical, electronic, and procedural safeguards to protect your information. Affirm does not sell or rent your information to anyone.

Yes - you can return an item you bought with Affirm by initiating the return process directly with the store.

Unfortunately, we do not have any control over the underwriting decision. We would still encourage you to move forward with the transaction with an alternative payment option. Further, should you have any questions regarding your credit application with our financing partner, Affirm, visit the Affirm FAQ article: “Why wasn’t my purchase approved?”. You should also receive an email in your inbox from Affirm regarding your application.

Visit the Affirm Help Center.


No deferred interest. No hidden fees. No catch.

* Your rate will be 0% APR or 10-36% APR) based on credit, and is subject to an eligibility check. Payment options through Affirm are provided by these lending Options depend on your purchase amount, and a down payment may be required.