A couch is a big purchase for a 24-year-old.

Dropping a grand or two on a piece of furniture is much more palatable to a millennial if she can break up the payment into installments. That’s why home furnishings retailer Dot and Bo plans to launch a financing tool geared toward younger shoppers.

By early October, the e-retailer will incorporate online payment service Affirm Inc. onto its site. The service functions as a loan that allows shoppers to pay for a purchase, often a large-ticket item, in installments rather than paying the full amount up front with a credit card. Affirm charges an interest rate to shoppers between 10-30%.

Dot and Bo decided to incorporate this feature to offer more payment options to its shoppers, especially millennials, which generally are defined as those born between 1980 and 1998, says Dot and Bo founder and CEO Anthony Soohoo. More than a third of Affirm’s users are millennials, which pairs well with the 60% of Dot and Bo’s shoppers who are under 45, Soohoo says.

“We’re not expecting this to increase our sales any which way. It’s a way to increase customer satisfaction because we are offering them more choice for how they can pay for this product,” Soohoo says.

Here’s how Affirm works: At checkout, a shopper can pay with a credit or debit card or with Affirm. If a shopper clicks on the “continue with Affirm” option, she is taken to Affirm’s website, where she signs up with her mobile phone number, email, birthdate and last four digits of her Social Security number so that Affirm can retrieve a credit report and other information about the consumer that Affirm declined to share. The consumer can then choose to pay back the loan in three, six or 12 months. The process takes a few minutes or less, says Affirm’s senior vice president of retail Len Eschweiler.

Affirm charges retailers 3.3-3.5% for the service, which includes Affirm taking on the risk of the loan, Eschweiler says. The vendor says most of its clients see a return on investment in the financing tool. For every dollar that a retailer spends, it will receive $30 back from consumers spending more than they typically would have on a product or from simply from buying the product at all, Eschweiler says.

Dot and Bo has approximately in $50 million in annual sales, Soohoo says. The e-retailer ran a month long test with Affirm to see if shoppers used the financing option. A “statistically significant” portion of consumers saw the payment option and gave it positive feedback, Soohoo says, without revealing specifics. Although consumers leave the Dot and Bo site to go through the credit approval process, Dot and Bo did not experience increases in cart abandonment rates or bounce rates, he says.

Dot and Bo considered the financing option at the beginning of the year and decided to discuss implementing it during  the summer, Soohoo says. Implementing the financial tool on Dot and Bo’s  site took about a week, he says.

Affirm has raised a total of $425 million in funding, Eschweiler says. More than 700 merchants use the service; they  are a mix of e-retailers, bricks-and-mortar retailers and brand manufactures, including luxury consignment e-retailer The Real Real Inc. (No. 206 in the Internet Retailer 2016 Top 500 Guide), online-only mattress manufacturer and retailer Casper Sleep (No. 290) and apparel brand BCBG Max Azria Group LLC (No. 431).

E-commerce accounts for 18% of housewares and home furnishings sales, and web sales growth is coming at the expense of stores, according to Internet Retailer’s new report on home goods “At Home on the Web.”