# BNPL-Enabled Home Retailers At Home Debuts the Buy-Now-Pay-Later Program for Qualifying Purchases By Kanesa D | Published 2023-07-17 | Lifestyle Source: Trend Hunter, https://www.trendhunter.com/trends/at-home1 References: [chainstoreage](https://chainstoreage.com/home-launches-buy-now-pay-later-mobile-payment-options)  [At Home](https://www.trendhunter.com/trends/at-home-1) is a home decor store and a valuable resource for consumers looking to decorate or furnish their space. As the result of a new initiative, the brand is launching a new [buy-now-pay-later service](https://www.trendhunter.com/trends/instore-installment-payment) for consumers looking to space out large purchases. The Pay Later initiative empowers consumers to evenly distribute payments over three months for one-time purchases ranging from $75 to $400 while ensuring no adverse effects on their credit score. With the new service, consumers can avoid incurring interest charges, making it an attractive option for budget-conscious individuals. At Home also offers financing options by providing the At Home Insider Perks credit card. This credit card gives consumers a six-month financing period for qualifying purchases made at the retailer. Image Credit: At Home ## Trend Insights (Trend Hunter) - Score: 0.9/10 - Popularity: 2% | Activity: 9% | Freshness: 17% - Audience gender: 50% men, 50% women - Primary generations: Millennial, Gen X - Top markets: North America ## Categories [Trend Hunter](https://www.trendhunter.com/trends) > [Lifestyle](https://www.trendhunter.com/lifestyle) > [Credit Crunch](https://www.trendhunter.com/creditcrunch) ## Key Themes ### Why This Trend Is Growing - **Buy-now-pay-later Programs:** Disruptive innovation opportunity: Develop a BNPL platform that offers flexible payment options for consumers making large purchases across various industries. - **Budget-conscious Financing:** Disruptive innovation opportunity: Create a financing solution that caters to budget-conscious individuals, enabling them to make purchases without incurring interest charges. - **Consumer Credit Score Protection:** Disruptive innovation opportunity: Build a service that allows consumers to make large purchases without negatively affecting their credit scores. ### Industries Being Reshaped - **Home Decor and Furnishing:** Disruptive innovation opportunity: Integrate BNPL services into home decor and furnishing retailers to provide consumers with flexible payment options for decorating their spaces. - **Retail:** Disruptive innovation opportunity: Implement BNPL programs in various retail sectors to attract budget-conscious consumers and increase sales. - **Fintech:** Disruptive innovation opportunity: Develop innovative financial technology solutions that offer alternative financing options to consumers across different industries. ## Related on Trend Hunter - [Accessible Home Improvement Services](https://www.trendhunter.com/trends/accessible-home-improvement.md) - [Affordable BNPL Programs](https://www.trendhunter.com/trends/apple-pay-later.md) - [Expanded Purchase Financing Tools](https://www.trendhunter.com/trends/klarna-6.md) - [Post-Purchase Payment Features](https://www.trendhunter.com/trends/swipe-to-finance.md) - [Pay-Later Shopping Cards](https://www.trendhunter.com/trends/klarna-card.md) - [Lifestyle Sales Expansions](https://www.trendhunter.com/trends/at-home-1.md) - [BNPL Shopping Subscriptions](https://www.trendhunter.com/trends/klarna-4.md) - [Flexible Payment Features](https://www.trendhunter.com/trends/flexible-payments.md) - [BNPL-Backed Credit Cards](https://www.trendhunter.com/trends/klarna-5.md)