Pay in 4 or monthlyAfterpay
Four payments over six weeks, or monthly plans.
- Up to
- US $4,000
- Term
- Up to 12 months
- Typical score
- About 600
- Interest
- Pay in 4: 0%Monthly: 6.99–35.99% APR
- Who can apply
- U.S. shoppers
StudioFinancing
Interior Design Financing
Beautiful spacesare within reach.
- Furniture, interior design and full property projects
- From a single piece to a complete transformation
- Third-party providers, terms in writing before you commit
Financing options through third-party providers
01Financing Options
Six providers. Compare them side by side.
- Different payment structures, limits and requirements
- Compare the terms, then choose what fits
- Every figure links to the provider’s own page
Pay in 4 or monthly
Uses your credit cardSplitit
Monthly installments on the credit card you already have. No new loan.
- Up to
- US $20,000Up to $40,000 with approval
- Term
- 6 monthsUp to 12 with approval
- Typical score
- No score requirement
- Interest
- 0%, no shopper fees
- Who can apply
- Personal credit card holders in the U.S., Canada, UK, Europe, Australia and more
Flexible plansKlarna
Pay in 4, pay in 30 days, or longer-term financing.
- Up to
- US $10,000
- Term
- Up to 24 months
- Typical score
- About 600
- Interest
- Varies by plan
- Who can apply
- U.S. shoppers
Smaller purchasesSezzle
Pay in 2, pay in 4, or monthly.
- Up to
- US $2,500
- Term
- Up to 24 months
- Typical score
- About 550
- Interest
- 0% options available
- Who can apply
- U.S. shoppers
Short-termZip
Four payments over six weeks.
- Up to
- US $1,500
- Term
- 6 weeks
- Typical score
- About 460
- Interest
- Set by Zip
- Who can apply
- U.S. shoppers
Larger projectsClarityPay
Monthly plans for bigger projects, lent by DR Bank.
- Up to
- US $30,000
- Term
- Up to 36 months
- Typical score
- About 550–600
- Interest
- 0% plans up to $15,000 and 18 monthsOtherwise 10–30% APR
- Who can apply
- U.S. and Puerto Rico residents
Figures are the providers’ published terms as offered through our payment platform, Whop, as of October 2026. Limits, rates, terms and approval are set by each provider and can change. Check the provider’s page before you apply.
02What You Can Finance
It’s not just furniture. It’s your entire vision.
Even a single US $3,000 sofa.One room, one piece or the whole property. We help you find the options that fit.
Furniture & furnishings
One piece, a few, or a whole room.
Interior design
Concepts, space planning, materials and 3D renders.
Renovations & upgrades
Finishes, fixtures, repairs and improvements.
Full property transformations
Design, furnishing and install for a condo or villa.
Pools & outdoor spaces
Pools, outdoor kitchens, terraces and patios.
And more
Something else in mind? Ask us.
Eligibility depends on the provider, the purchase and your circumstances. Not every provider covers every category.
03How It Works
Simple steps. No pressure.
- 01
Get your design quote
- Tell us what to furnish, design or renovate
- We define the scope
- You get a written quote
- 02
Compare your options
- We show which programs fit your project
- Matched to your location and budget
- No obligation
- 03
Apply with the provider
- Read the provider’s terms
- Apply directly with them, if you choose
- Approval is their decision
- 04
Bring it to life
- Once approved and the project is agreed
- We design, order and install
- On the schedule we agreed
A design quote is not a financing approval. PlayaStays does not guarantee approval by any provider.
04Need Help Deciding?
We’ll help you choose.
- Understand the programs that may apply
- Compare the terms that matter for your project
- Know your next step
Provider details
Financing is provided by independent third-party providers. Approval, eligibility, rates, fees, repayment terms and available limits are determined by the applicable provider and offer. Financing is offered at checkout through our payment platform, Whop.
—FAQ
Questions owners ask before they finance.
Can I finance a single piece of furniture?
- Often, yes. A sofa, a dining table or a bed can be financed on its own
- It depends on the provider and the purchase
- The provider decides what is available
Can I finance an entire interior design project?
- Some programs cover larger projects
- Splitit and ClarityPay go highest, up to US $30,000–40,000 with approval
- Amounts, eligible costs and terms are set by each provider
Can I finance a pool or outdoor renovation?
- Potentially, depending on the project, the provider and your eligibility
- Tell us about the project and we will show you what may apply
Does PlayaStays provide the financing?
- No. Independent third-party providers do
- PlayaStays provides the design and project services
Will I automatically qualify?
- No. Each provider sets its own requirements
- The provider assesses and approves your application
How do I compare financing offers?
- Look at the total you will repay, interest and fees
- Check the payment schedule, the term and any promotional conditions
- A 0% offer can come with conditions
Do I have to finance the whole project?
- No. Finance part and pay the rest directly
- Smaller pieces can simply go on a card
Do I need a design quote first?
- We recommend it
- You see the scope and the cost before choosing how to pay
Let’s bring your space to life.
Start with your design quote. Then explore the financing that may work for your project.
