Pay Over Time: Wayfair currently offers Affirm, Klarna and Afterpay at checkout, with eligible customers able to choose installment or monthly payment plans. Wayfair Credit Card: The Wayfair Credit Card and Wayfair Mastercard offer financing options on qualifying purchases, with terms depending on the purchase and current offer. Financing Eligibility: Pay-over-time options are subject to eligibility and may not be available for every order. Multiple Financing Plans: If different financing plans are needed for different products, Wayfair advises placing separate orders.