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LEARN ABOUT OUR FIANANCING OPTIONS

WHAT IS PAYPAL CREDIT?

PayPal Credit, formerly known as PayPal Buy Now, Pay Later is a financing alternative to credit cards and other credit-payment products.  PayPal is instant financing for online purchases to be paid in fixed monthly installments over 3, 6, or 12 months.

Pay now or pay over time with PayPal Credit. Just use PayPal Credit in PayPal checkout.

Subject to credit approval.

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Purchases of $99+:

No Interest if paid in full in 6 months on purchases of $99 or more.

  • Interest will be charged to your account from the purchase date if the balance is not paid in full within 6 months.

  • A minimum monthly payment is required and may or may not pay off the promotional purchase by the end of the 6 month period.

  • No interest will be charged on the purchase if you pay it off in full within 6 months. If you do not, interest will be charged on the purchase from the purchase date at the Purchase APR applicable to your account.

  • For New Accounts: Variable Purchase APR is 23.99%. The APR is accurate as of 9/1/2021 and will vary with the market based on the Prime Rate (as defined in your credit card agreement). Minimum interest charge is $2.00.

  • Individual items that are less than $99 qualify for special financing when combined for a total of $99 or more in a single transaction.

  • Multiple separate transactions of less than $99 per transaction cannot be combined to meet the minimum purchase amount.

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Purchases of $98.99 or less:

Buy now and pay over time with

PayPal Credit when you spend $98.99 or less.

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About PayPal Credit

  • PayPal Credit is a reusable credit line available on purchases at millions of stores that accept PayPal. Plus, it comes with the same security and flexibility you trust from PayPal.

  • If approved, we start you off with a minimum credit line of at least $250. See FAQs for more info.

  • For New Accounts: Variable Purchase APR is 23.99%. The APR is accurate as of 9/1/2021 and will vary with the market based on the Prime Rate (as defined in your credit card agreement). Minimum interest charge is $2.00. See Terms and Conditions Tab for more info.

  • If you miss a payment your late fee could be up to $40, even less if it’s your first time. See FAQs for more info.

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  • If you pay your balance in full each month by the payment due date that is on your statement, you can avoid paying interest.

  • You can also make minimum monthly payments, or any additional amount of your choosing, until you’ve paid off your balance according to your standard account terms. Please note, interest charges may apply.

  • We’ll send you email reminders when your payments are due. You can also keep track of your account and view your statements online at any time.

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More time to pay.  Anytime you need.

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Pay in 4 

  • Pay in 4 at any online store.

  • No interests. No fees.

  • No-hassle installation.

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Get financial breathing room

Pay in 4 and take charge of your budget.

  • No interest. Ever.

  • No impact on your credit.

  • No hidden fees.

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How does Pay in 4 work?

When you pay in 4, Klarna splits your purchase into 4 payments.  Klarna collects the first payment when you check out.  The remaining 3 payments are collected every 2 weeks.  You spread the cost over 6 weeks, with no interest or fees if you pay on time.

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WHAT IS KLARNA?

Klarna is a financing alternative to credit cards and other credit-payment products.  Klarna offers instant financing for online purchases to be paid in fixed monthly installments over 3, 6, or 12 months.

WHAT IS AFFIRM?

Affirm is a financing alternative to credit cards and other credit-payment products. Affirm offers instant financing for online purchases to be paid in fixed monthly installments over 3, 6, or 12 months.

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  • You may be eligible for Affirm financing even if you don't have an extensive credit history. Affirm bases its loan decision not only on your credit score, but also on several other data points about you. 

WHY BUY WITH AFFIRM?

  • Buy and receive your purchase right away, and pay for it over several months.This payment option allows you to split the price of your purchase into fixed payment amounts that fit your monthly budget.
  • If Affirm approves your loan, you'll see your loan terms before you make your purchase. See exactly how much you owe each month, the number of payments you must make, and the total amount of interest you'll pay over the course of the loan. There are no hidden fees.

  • The application process is secure and real-time. Affirm asks you for a few pieces of information. After you provide this information, Affirm notifies you of the loan amount that you're approved for, the interest rate, and the number of months that you have to pay off your loan -- all within seconds.

  • Affirm reminds you by email and SMS before your upcoming payment is due.  Enable Autopay to schedule automatic monthly payments on your loan.

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WHAT IS REQUIRED TO HAVE AN AFFIRM ACCOUNT?

To sign up for Affirm, you must:

Be 18 years or older (19 years or older in Alabama or if you're a ward of the state in Nebraska).

Provide a valid U.S. or APO/FPO/DPO home address.

Provide a valid U.S. mobile or VoIP number and agree to receive SMS text messages. The phone account must be registered in your name.

Provide your full name, email address, date of birth, and the last 4 digits of your social security number to help us verify your identity.

HOW DOES AFFIRM WORK?

Affirm loan-application process steps:

  • At checkout, choose Pay with Affirm.
  • Affirm prompts you to enter a few pieces of information: Name, email, mobile phone number, date of birth, and the last four digits of your social security number. This information must be consistent and your own. 

  • To ensure that you're the person making the purchase, Affirm sends a text message to your cell phone with a unique authorization code.

  • Enter the authorization code into the application form. Within a few seconds, Affirm notifies you of the loan amount you're approved for, the interest rate, and the number of months you have to pay off your loan. You have the option to pay off your loan over three, six, or twelve months. Affirm states the amount of your fixed, monthly payments and the total amount of interest you'll pay over the course of the loan.

  • To accept Affirm's financing offer, click Confirm Loan and you're done.

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After your purchase, you'll receive monthly email and SMS reminders about your upcoming payments. You can also set up autopay to avoid missing a payment.  Your first monthly payment is due 30 days from the date that we (the merchant) processes your order.
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