Joybird is happy to offer consumer-friendly terms to split purchases into monthly installments. During the checkout process, you can access the Pay Monthly tab, where you’ll be directed to a separate site for the application process. Terms are exclusively between the consumer and the financing partner. Joybird customer satisfaction and sales experts have no access to this information and are not qualified to provide any decision-making or account-status updates. Our financing partner provides a decision within seconds of application submission, so if you're looking to purchase furniture now and pay later, head on over to the payment tab in the checkout process. For more information on our financing options, please visit our financing page.