Financing

0% APR Financing

Name: Carolina Futons
Address: 824 Locust Street, Suite 200, Hendersonville, NC, 28792, US
Telephone: (828) 252-9449
Price range: $$

Split your purchase into interest-free payments at checkout — no hidden fees, no surprises.

How it works

When you check out, select Shop Payas your payment method. You'll see available installment plans — typically 4, 8, or 12 weekly payments — with the total cost shown before you confirm. Short-term plans are always 0% APR. Longer-term plans show any applicable rate upfront so you can choose what works for your budget.

Financing is available on orders of $200 or more. Most futon frames, mattresses, and Murphy beds qualify.

Example

A $600 Kingston futon frame on a 12-week plan works out to $50/week — same price as paying in full, zero interest. If you'd rather spread it over longer, longer-term Affirm plans are also available at checkout with rates shown before you commit.

Common financing questions

Who provides the financing?: Financing is offered through Shop Pay Installments, powered by Affirm. You select Shop Pay at checkout and choose your payment plan. Approval is subject to a soft credit check; no hard inquiry is made during the estimate step.
What's the minimum order for financing?: Shop Pay Installments are available on orders of $200 or more. Most futon frames and mattresses qualify.
Do I need a Shop Pay account?: You'll create one at checkout if you don't already have one — it only takes a moment. Shop Pay is a standard Shopify checkout accelerator; your information is handled by Shopify and Affirm, not stored on our end.
Are there any fees if I pay on time?: No. Short-term plans (4 and 8 weeks) are always 0% APR with no fees. Longer-term plans (12 weeks and beyond) may carry interest; the exact rate and total cost are shown clearly before you confirm — you'll never be surprised.
Can I pay off my balance early?: Yes. Pay off your balance at any time with no prepayment penalty.
What if my application is declined?: Approval decisions are made by Affirm, not by us. If you're declined, you can still complete your order with any other payment method. Call us if you'd like help — in some cases, a smaller initial order or a different plan length will qualify.

Still have questions?

Call us at (828) 252-9449 or email carolinafutons@gmail.com. We're happy to walk you through checkout or check whether a specific product qualifies. Also see our shipping policy and returns policy.

How it works

Financing is available on orders of $200 or more. Most futon frames, mattresses, and Murphy beds qualify.

Common financing questions

Who provides the financing?

Financing is offered through Shop Pay Installments, powered by Affirm. You select Shop Pay at checkout and choose your payment plan. Approval is subject to a soft credit check; no hard inquiry is made during the estimate step.

What's the minimum order for financing?

Shop Pay Installments are available on orders of $200 or more. Most futon frames and mattresses qualify.

Do I need a Shop Pay account?

You'll create one at checkout if you don't already have one — it only takes a moment. Shop Pay is a standard Shopify checkout accelerator; your information is handled by Shopify and Affirm, not stored on our end.

Are there any fees if I pay on time?

No. Short-term plans (4 and 8 weeks) are always 0% APR with no fees. Longer-term plans (12 weeks and beyond) may carry interest; the exact rate and total cost are shown clearly before you confirm — you'll never be surprised.

Can I pay off my balance early?

Yes. Pay off your balance at any time with no prepayment penalty.

What if my application is declined?

Approval decisions are made by Affirm, not by us. If you're declined, you can still complete your order with any other payment method. Call us if you'd like help — in some cases, a smaller initial order or a different plan length will qualify.