Crate & Barrel Partnered with Affirm for Installments
The home retailer now offers flexible payment options at its stores and websites in the U.S. and Canada.
Updated on Sept. 29, 2026 in Retail
Live Poll
Do you trust retail pay-over-time services to help you manage your household budget responsibly?
Crate & Barrel Holdings has partnered with Affirm to allow customers to pay for purchases through biweekly or monthly installments. The payment options, which start at 0% APR, are available both in stores and online.
Why it matters
The collaboration aims to provide shoppers with greater financial flexibility and control over their purchases. By integrating these payment methods, the retailer seeks to improve the buying experience for its customers.
Crate & Barrel Holdings operates over 100 stores across its brands, which attract 200 million annual visitors. Payment plans through Affirm feature a 0% starting APR and carry no late or hidden fees.
The players
Crate & Barrel Holdings
This Chicago-based home furnishings retailer operates more than 100 locations and digital storefronts throughout North America.
Affirm
Headquartered in San Francisco, this financial technology company provides buy now, pay later services for consumers and merchants.
The details
Customers can select Affirm at checkout online or in stores to split costs into manageable payments, subject to an eligibility check. The offering applies to the full portfolio of brands under the holding company, including Crate & Barrel, Crate & Barrel Kids, and CB2.
Timeline
Crate & Barrel Holdings announced the partnership with Affirm on September 29, 2026.
Market Landscape
This partnership reflects the ongoing shift in the retail sector toward integrating fintech solutions to facilitate consumer spending. It positions the company alongside a growing number of major merchants adopting flexible credit models to remain competitive in the digital age.
Shoppers can now opt for interest-free financing on home goods, potentially easing the impact of large purchases on household budgets. Users should note that these plans are subject to individual eligibility checks during the checkout process.
The takeaway
Retailers continue to leverage flexible payment technology to remove barriers for consumers during the checkout process. By offering 0% APR plans, companies aim to encourage higher-value transactions while providing shoppers with clearer repayment terms.
Further reading
For more on the changing shopping environment, see our coverage in Retail.
Live Poll
Do you trust retail pay-over-time services to help you manage your household budget responsibly?
