Pottery Barn is one of the leading home furnishing retailers in the US. The company is famous for its aesthetic home-decor items. With around 200 stores across the US, Pottery Barn has plans to attract more customers by offering unique payment plans for Pottery Barn Consumers. Let’s learn ‘Does Pottery Barn Have Payment Plans?’.
Pottery Barn offers two payment plans for its customers as of now. One is in partnership with Buy now Pay later company ‘’Affirm”, and their other payment plan is through Pottery Barn key rewards credit card. A pottery Barn customer can finance their purchase using any payment plan.
What is a Payment Plan?
A Payment plan is a method of payment using installments, where the amount has to be paid within a time specified by the lender. If a customer bought a Pottery Barn product, they might finance their purchase with a payment plan. Instead of paying the bill at once, you can choose to pay in installments over a period.
Payment Plans at Pottery Barn
Pottery Barn offers two payment plans for its customers. Here is a step-to-step guide to help you finance your purchase at Pottery Barn using a payment plan.
1. Affirm Financing
- Pottery Barn offers payment plans in partnership with financing company Affirm. To avail of this payment plan, customers must have an Affirm account.
- Shop at Pottery Barn in-store or online.
- You will find an Affirm payment plan at the checkout, or you can also request an Affirm virtual credit card to proceed.
- Provide your Affirm account details.
- Choose your payment plan. Affirm offers 3, 6, or 12-month installment plans.
- Pay for your purchase at Pottery Barn, and later you need to pay back in installments to Affirm.
- You have to make a minimum purchase of $50 to qualify for Affirm financing at Pottery Barn.
- With Affirm, you can avail a maximum of $17,500 worth of loan for your Pottery Barn payment plan.
2. Pottery Barn Credit Card-
- Pottery Barn provides a 12-month financing plan on purchases above $750 for its Pottery Barn Key rewards credit cardholders. You can use this card across seven Brands of Pottery Barn Parent company Williams -Sonoma, Inc.
- Apply for Pottery Barn Key rewards credit card online, or you can visit any Williams-Sonoma Inc. store to apply.
- Capital One issues Pottery Barn Credit Cards. So, first, they will consider you for a Pottery Barn Key Rewards Visa Credit card, and if you did not qualify for a Visa Credit card, you will get a Pottery Barn Key rewards Credit card.
- You can finance all your purchases above $750 with your Pottery Barn Credit card.
- Pottery Barn Visa Credit cardholders are eligible for extra discounts and cashback. Otherwise, Visa or not, you can finance your purchase with your Pottery Barn Credit card.
Benefits of Pottery Barn key rewards credit cards
- Finance all your purchases above $750 for 12 months with zero annual charges.
- Earn rewards on your purchase
- 10% cashback for the first 30-days after opening the account
- Birthday bonus of up to $25 and early access to design and events
- Free shipping for all your purchases
- All benefits are applicable across all the seven Williams Sonoma stores.
Is Pottery Barn Payment Plans useful?
If you like something at a Pottery Barn store and you cannot afford it, then use Affirm to pay for your purchases because Affirm does not charge any interest or annual fees if you pay back on time. Using a Pottery Barn credit card to finance your purchase might not be a good option because you might have to pay APR(Annual Percentage rate).
While other rewards and benefits are only fruitful if you are shopping from Pottery Barn regularly, A Pottery Barn credit card forces you to shop from Pottery Barn to avail yourself of rewards. In the end, you might lose more money in the guise of discounts.
Does Pottery Barn have any other Payment plans?
No. As of now, Pottery barn does not have any other payment plans except Affirm and Pottery Barn key rewards credit card 12-month financing. Here is a list to help you understand better.
| Payment Plans | Pottery Barn accepts or not? |
| Affirm | Accepts |
| AfterPay | Does not accept |
| Klarna | Does not accept |
| Splitit | Does not accept |
| Sezzle | Does not accept |
| Pottery Barn key rewards credit card financing | Accepts |
Final Thoughts
Pottery Barn offers aesthetic furniture choices for your homes and gardens. If you cannot afford something at Pottery Barn, you can go for Pottery Barn payment plans. At Pottery Barn, you can avail of a 3,6, or 12- month financing with Affirm or 12-month financing on Pottery Barn credit card on purchases above $750. If you are not a regular customer at Pottery Barn, go for Affirm financing for more benefits.
Frequently asked questions
1. Are there any interest charges on Affirm Financing?
A. No. There are no interest charges when you repay your loan on time.
2. What is the maximum loan amount limit on Affirm?
A. Affirm offers loans from $50 up to $17,500. However, $50 loans have a repayment deadline of 30 days.
3. Is Pottery Barn Credit card interest-free?
A. Yes. Pottery Barn credit is interest-free, but only when you finance your Pottery Barn Purchases and pay them back on time.
