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We partner with Affirm, Katapult, ShopPay, and Klarna for financing. You can set up payment plans to purchase one big-ticket item or multiple things, like a new electric scooter, helmet, and other necessities.
Unless otherwise noted at checkout, financing is primarily available to customers in the United States.
Step 1
You can preview all financing options and estimated rates for easy, automatic payments on individual product pages. If you are buying multiple products, you can apply for financing at checkout to view rates for everything in your cart.
The rates depend on how quickly you’d like to repay the loan. All of our financing options offer plans for equal payments over 3 to 18 months.
Step 2
At checkout, select which financing provider you would like to use.
If you have an existing account with that provider, you will be directed to login. If you do not have an account, you will be prompted to complete a brief application.
Step 3
If approved, select the payment option that works best for your budget. You can view APR rates, repayment schedule, and finalize your loan using the secure checkout.
If you apply through Affirm and are not approved, you may be redirected to apply through one of their partners, Katapult or ShopPay. Katapult is a lease-to-own partner of Affirm. ShopPay has an installment partnership with Affirm.
If these options do not work, you may also apply for financing with our partner Klarna, a fintech company offering post-purchase payments.
Q: What is Affirm?
A: Affirm is a financing alternative to credit cards and other credit payment products. Affirm offers real-time financing for purchases online. With Affirm, you can buy and receive your purchase now, and pay for it in fixed monthly terms such as 3, 6, or 12 months.
For example, on a $1,500 purchase, you may pay $135.39 for 12 months with a 15% APR.
Q: Why buy with Affirm?
A: Here is what Affirm offers: Buy and receive your purchase now, and pay for it over time. This allows you to split up the price of your purchase into fixed payment amounts that fit your monthly budget. If Affirm approves you for a loan, Affirm discloses your loan terms before you make your purchase. You’ll know exactly how much you’ll owe each month, the number of payments you must make, and the total amount of interest you’ll be paying over the course of the loan. Affirm does not charge hidden fees.
Your rate will be 0% APR or 10-36% APR based on credit, and is subject to an eligibility check. Payment options through Affirm are provided by these lending partners: affirm.com/lenders. Options depend on your purchase amount, and a down payment may be required.
The application process is secure and in real-time. Affirm asks you for a few pieces of information. After you provide this information, Affirm will notify you of the loan amount you’re approved for, the interest rate, and the number of months you will have to pay off your loan, all within seconds.
You don’t need to have a credit card to make a purchase.
Affirm bases its loan decision not only on your credit score, but also on several other data points about you. You may be eligible for Affirm financing even if you don’t have an extensive credit history.
Affirm will send you email and SMS reminders in advance of your upcoming payment. You can also enable “Autopay” to schedule automatic monthly payments on your loan.
Q: How does Affirm approve borrowers for loans?
A: Affirm will ask you for a few pieces of personal information – your name, email, mobile phone number, date of birth, and the last four digits of your social security number. Affirm uses this information to verify your identity, and to make an instant loan decision. Affirm will base its loan decision not only on your credit score, but also on several other data points about you. This means you may be able to obtain financing from Affirm even if you don’t have an extensive credit history.
Q: Does Affirm perform a credit check?
A: Yes, when you first create an Affirm account, Affirm performs a ‘soft’ credit check to help verify your identity and determine your eligibility for financing. This ‘soft’ credit check will not affect your credit score.
Q: How do I make my payments?
A: Before each payment is due, Affirm will send you reminders via email and SMS that will include the installment amount that is coming due and the due date. You can also sign up for autopay so you don’t risk missing a payment. Please follow these steps to make a payment:
You will be prompted to enter in your mobile number where you will be sent a personalized security pin.
Enter this security pin into the form on the next page and click “Sign In.”
You’ll now see a list of your loans and payments coming due. Click on the loan payment you would like to make.
You can make a payment utilizing a debit card or ACH bank transfer.
Q: Are there any interest or fees associated with Affirm loans (late fees)?
A: Affirm loans vary between 0% APR or 10-36% APR simple interest. The corresponding finance charge is the only fee associated with an Affirm loan. Affirm does not charge late fees, service fees, prepayment fees, APR penalties or any other hidden fees for a late payment. They strive to always be more transparent and fair than any other form of financing.
Q: Affirm lending partners?
A: Rates from 0% APR or 10-36% APR. Payment options through Shop Pay Installments are subject to an eligibility check and are provided by these lending partners: affirm.com/lenders. Options depend on your purchase amount, and a down payment may be required. State notices to consumers affirm.com/licenses."
For instance, a $800 purchase could be split into 12 monthly payments of $72.21 at 15% APR, or 4 interest-free payments of $200 every 2 weeks.
Q: Who is Klarna?
A: Klarna offers a simple, straightforward shop now pay later financing option to help you get durable goods and pay over time.
Q: How does Klarna payments work?
A: Klarna offers an interest-free system that splits your purchase into 4 payments over time. Enter a credit or debit card to pay automatically every 2 weeks. Payments made on-time accumulate zero interest or added fees.
Q: How Klarna monthly financing work?
A: To take advantage of monthly financing, simply apply for monthly financing directly in the checkout. The application will provide an instant decision after 2 steps. Once approved, use the Klarna app to manage payments and receive reminders. Klarna month financing products are offered by WebBank, member FDIC.
Q: How to shop with Klarna?
A: Shop and utilize Klarna in a few easy steps. Simply add your desired products to the cart and select Klarna at the checkout to pay. Afterwards you can manage payments and orders in the Klarna app.
Q: What happens if I make a return?
A: If you need to make a return on part or all of your order, you will be issued a new statement from Klarna. Simply adhere to the retailer's return guidelines and remember to write down the tracking number. Your ongoing statements will be halted after logging onto your Klarna account and selecting "report a return". You will be issued an updated invoice once the return has been processed.
Q: There's something wrong with my order. Do I still need to pay for it?
A: You will not be required to pay for products that have been received damaged, broken, or defective. Simply select"report a problem" and follow the retailer's return procedure. The payments in your Klarna account will be paused until the issue is resolved. Once the return is completed, your refund will be processed in 5 to 7 business days.
Q: I have not received my order. What happens to my statement?
A: Payments only begin once you have received your product/order. If the delivery is longer than the expected first payment, log into your Klarna account and select "report a problem" to halt your payments until your product is received.
Q: My statement is incorrect. What Should I do?
A: If your statement is incorrect and does not match your order details, contact the retailer immediately to correct the statement. Once the retailer has been contacted you may log into your Klarna account and select "report a problem" to halt your statement until it has been adjusted.
** For further information on Klarna, visit their service page. **