Financing

Explore flexible financing offered by Affirm and Klarna. *

Pay Over Time With Confidence

Instant approval

Quickly see if you qualify with a soft credit check that won’t impact your credit score.

Full transparency and no hidden fees

Transparent pricing with no surprises. Know upfront exactly what you owe and when you owe it.

Flexible payment options

Choose how and when you pay. Track, manage, and make payments via the Affirm or Klarna apps.

Get Cozey today

Get the furniture you want today – your dream Cozey setup is within reach.

Frequently Ask Questions

Does checking my eligibility affect my credit score?

No — checking your eligibility won’t impact your credit score. A credit check may only occur once you decide to complete your purchase. For more details, check out credit check policies for Affirm and Klarna.

How do I make my payments?

You can manage payments directly through your financing account, either online or in each finance provider’s mobile app. For more details, check out how to make payments for Affirm and Klarna.

Can I pay off my purchase early?

Yes — you can typically pay off your balance early with no penalty. For more details, check out payment instructions for Affirm and Klarna.

Can I return an item I bought with financing?

Yes — start your return with Cozey, and your financing account will be updated once it’s processed. For more details, check out how to make returns using Affirm or Klarna.

Do I need a mobile number to use financing?

Yes — financing providers require a valid mobile phone number and email to verify your identity, secure your account, and send you notifications.

Any questions?

Contact our Customer Happiness Team, and we will gladly help you make the right choice.

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