0% APR available
For qualified buyers, eligible plans come with 0% APR — meaning you spread the cost without paying any interest at all.
PAYMENT FLEXIBILITY
Pay over time, in your own rhythm.
Split your made-to-measure cushion order into easy monthly payments. Qualified buyers can unlock 0% APR — and there are no late fees, ever.
0% APR available
No late fees
Soft credit check
No hidden charges
A smarter way to spread the cost.
Designed around how a real cushion order actually works — fair, predictable and transparent. No tricks, no compounding.
Never any late fees
Affirm doesn't charge late fees, period. Plans flex with your life, and reminders arrive a few days before each payment.
Pre-qualify in seconds
A short form, an instant decision. Pre-qualifying uses a soft credit check and never affects your credit score.
Real numbers up front
You see your monthly payment and total cost before you confirm. No surprises, no compounding interest, no hidden charges.
From cart to confirmed in three steps.
The whole flow takes less than a couple of minutes — most of it before you even leave Foamera.
Build & checkout
Configure your cushion the usual way, head to checkout, and choose Affirm as your payment method.
Pre-qualify in seconds
Answer a short form. Affirm runs a soft credit check (no impact on your score) and shows you which plans you qualify for — including 0% APR options when eligible.
Pay over time, calmly
Pick the plan that fits your month. Affirm sends a friendly reminder before each payment — no late fees, no compounding interest, ever.
Pick the rhythm that suits the room.
Three flexible terms, all interest-bearing only when applicable. Qualified buyers can unlock 0% APR on any of them — your exact terms are shown at checkout.
3
monthly payments
Best for keeping things short and clean. Wraps up in three months from order date — ideal if you'd rather not carry the cost into a new season.
6
monthly payments
A balanced middle ground. Lower monthly amount, still wraps up in half a year — what most of our customers pick.
12
monthly payments
For larger atelier orders or whole-room sets. The lowest monthly amount — same transparency, just a longer rhythm.
Who can pay with Affirm.
Affirm reviews each application individually. The basics most customers need:
- U.S. resident, 18 years or older (19+ in Alabama and Nebraska wards of the state).
- A valid email address and U.S. mobile phone number.
- A short identity verification step (driver's licence or government ID), as standard for every Affirm applicant.
- A soft credit check at pre-qualification — it does not affect your credit score.
- Available on Foamera orders from $50 to $30,000. Final terms — including whether you qualify for 0% APR — are decided by Affirm at checkout.
A few practical questions, kindly answered.
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Will applying for Affirm hurt my credit score?
No. Affirm uses a soft credit check at pre-qualification, which doesn't affect your score in any way. You see your offer first, then decide whether to proceed.
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Do I always get 0% APR?
0% APR is available for qualified buyers and eligible plans. Affirm decides your offer based on its own review of your application — you'll see the exact terms (including whether 0% APR applies) before you confirm anything at checkout.
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Can I pay off my Affirm plan early?
Yes — at any time, in your Affirm account or app, with no early-payoff penalty. If your plan included interest, paying early reduces the total interest you pay.
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What happens if I return part of my order?
For made-to-measure cushions we generally cannot accept returns for change of mind — please review our return policy first. Where a refund is agreed (for example, a defect), Foamera refunds Affirm directly and your remaining balance is adjusted automatically.
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Can I use Affirm on every cushion order?
Affirm appears as a payment option for orders between $50 and $30,000, for U.S. customers who qualify. For larger trade or hospitality projects, contact us directly — we can quote a tailored payment plan alongside Affirm.
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Where can I see my next payment?
In the Affirm app or at affirm.com. You'll get a friendly reminder a few days before each payment, plus a confirmation once it clears.
Payment options through Affirm are subject to an eligibility check and are provided by Affirm's lending partners — see affirm.com/lenders for details. Available terms (including whether 0% APR applies) are decided by Affirm at checkout, based on its review of your application. CA residents: loans by Affirm Loan Services, LLC are made or arranged pursuant to a California Finance Lenders Law license.
Ready to start your cushion?
Configure the cushion first — Affirm appears as a payment option once it's in your cart.
Configure your cushion Questions about a larger trade or hospitality project? Talk to the atelier →