Financing with Shop Pay
We’re proud to offer more ways to pay. With Shop Pay, eligible customers can split their purchase into smaller payments at checkout and choose the plan that works best for them.
This page explains how Shop Pay financing works for eligible U.S. customers shopping with River Oak Home Furnishings.
A simple checkout flow
Add your furniture to cart, choose Shop Pay at checkout, review available installment plans, and complete your purchase.
How financing with Shop Pay works
Financing with Shop Pay lets eligible customers pay over time instead of paying the full amount all at once. Once you are at checkout, you can choose Shop Pay and then select the installment option available to you.
You’ll be able to review your payment plan before completing the order, including the timing of future payments.
Good to know: your first payment is made at checkout, and the remaining payments are charged automatically based on the plan you choose.
What payment plans may be available?
Available options depend on your eligibility and purchase amount. For eligible U.S. customers, Shop Pay may show one of the following:
2 payments
Two biweekly, interest-free payments.
Generally available for orders from $35 to $50.4 payments
Four biweekly, interest-free payments.
Generally available for orders from $50 to $999.99.Monthly payments
Monthly installment plans for larger purchases.
Generally available for orders from $150 to $30,000. Rates range from 0–36% APR where available.What you need to use Shop Pay financing
- You must be eligible for Shop Pay Installments.
- You must check out using Shop Pay.
- Your order total must fall within the eligible range.
- Your available payment plans depend on eligibility and purchase amount.
Some orders may require a down payment, especially on larger purchases.
What happens after you choose a plan?
- You review the installment options available to you.
- You complete checkout and make the first payment at that time.
- Future payments are charged automatically based on your schedule.
- You’ll receive reminders before upcoming payments are charged.
Choosing Shop Pay financing does not change River Oak’s delivery support — our team will still contact you after purchase to arrange your delivery details.
Frequently asked questions
Do I choose financing before or after checkout?
You choose it during checkout. Add your items to cart, select Shop Pay, and then review the installment option available to you.
Will everyone see the same payment plans?
No. Payment options depend on eligibility and purchase amount, so available plans can vary from customer to customer.
Is there interest?
Some payment plans are interest-free, while monthly installment plans can carry interest from 0–36% APR where available.
Can a down payment be required?
Yes. Depending on the purchase amount and available plan, a down payment may be required.
What if I return or refund an order?
If an order is refunded, the refund is sent back to the customer. If the order used a monthly payment plan, any interest already paid is not refundable.
What if I have questions before ordering?
We’re happy to help. If you have questions about financing, delivery, or choosing the right couch, contact us before checkout and we’ll do our best to help.
Important note for long lead times
If a product ever has an extended fulfillment time, loan payments may begin before the item is delivered. For most River Oak deliveries, this is not expected to be an issue because our delivery times are typically much shorter.
Shop now, pay in flexible payments.
Find the furniture you love and review your financing options at checkout with Shop Pay.
Rates from 0-36% APR. Payment options through Shop Pay Installments are subject to an eligibility check and are provided by these lending partners: affirm.com/lenders. Options depend on your purchase amount, and a down payment may be required. State notices to consumers: affirm.com/licenses.