Buy Now, Pay Later with Shop Pay, Affirm, and Klarna
Buying expensive products for your home or business projects can be a significant investment. To make it easier on your bank account, we’ve added three premium "Buy Now, Pay Later" options at checkout. Choose the plan that fits your budget and complete your purchase with ease.
| Provider | Best For | Typical Terms | Credit Impact |
|---|---|---|---|
| Shop Pay | Fast, 1-tap checkout | 4 interest-free payments | Eligibility check has no impact on credit |
| Klarna | Flexibility & small budgets | Pay in 4 OR 6-36 months | Eligibility check has no impact on credit |
| Affirm | Large / Premium purchases | 3, 6, 12, 24, or 36 months | Eligibility check has no impact on credit |
How Each Option Works
Shop Pay Installments
Perfect for a frictionless experience. Split your purchase into 4 equal, interest-free payments every two weeks. High-ticket items may also qualify for monthly installments with rates from 0-36% APR.
Klarna Financing
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Pay in 4: For purchases under $1,500, split your cost into 4 interest-free payments over 6 weeks.
- Monthly Financing: For purchases up to $10,000, choose a plan ranging from 6-36 months. 0-30% APR subject to eligibility.
Affirm Monthly Payments
Affirm is designed for transparency. Pick the monthly payment plan that works for you (up to 36 months). You’ll see the total cost upfront—no hidden fees or late penalties, ever.
How The Process Works
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Add Item to Cart: Select your products and head to checkout.
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Shipping Information: Complete your contact and delivery details.
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Select Payment: At the payment stage, choose Shop Pay, Affirm, or Klarna.
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Instant Decision: You will be redirected to the provider's secure platform for a quick eligibility check (checking your eligibility has no impact on credit).
- Order Confirmed: Once you select your plan and confirm, your order is processed and shipped without delay!
Financing Disclosures
Affirm: Rates from 0–36% APR. Payment options through Affirm 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. CA residents: Loans by Affirm Loan Services, LLC are made or arranged pursuant to a California Financing Law license. For licenses and disclosures, see affirm.com/licenses. For example, an $800 purchase could be split into 12 monthly payments of $72.21 at 15% APR.
Shop Pay Installments: Rates from 0%–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.
Business Financing
APPROVE Financing – For businesses, APPROVE offers fast and flexible equipment financing tailored to your needs. Apply in just 60 seconds and get matched with top lenders, no impact on credit to apply. Apply Now!
Message us for other business financing if interested!
*0% APR subject to eligibility.