How Financing WorksUpdated 12 hours ago

Financing lets you split your purchase into smaller, manageable payments over time instead of paying the full amount upfront. This helps you budget more comfortably while enjoying your items right away.

How to Apply

At checkout, select your preferred financing partner (Affirm, Katapult, or Sezzle) as your payment method. You’ll complete a quick application on their secure platform, which includes a soft credit check. Approval is usually instant, so you can complete your purchase without delay.

Example Payment Terms

While terms vary by provider and your credit profile, here are some typical examples:

• Pay over 3, 6, or 12 months
• Interest rates ranging from 0% to 30% APR depending on creditworthiness
• Fixed monthly payments

Your financing partner will

provide your exact terms before you finalize your purchase.

About Payments

Your total purchase amount will be divided into scheduled payments, which you’ll pay over the agreed period. Payment due dates and amounts will be clearly communicated by your financing provider.

Can You Pay Early?

Yes! Most financing partners allow you to pay off your balance early without penalties, helping you save on interest. Check your provider’s terms for details.

How to Make Payments

Payments are typically made directly to your financing provider through their website or app. You can set up automatic payments or pay manually before each due date.

Returning an Item Bought with Affirm

If you return an item purchased with Affirm, the refund process will be handled according to the merchant’s return policy. Affirm will adjust your payment plan accordingly. For specific details, please refer to Affirm’s return and refund policies.

Checking Eligibility

Eligibility depends on factors like credit history and purchase amount. Each financing partner has its own criteria. You can check your eligibility during the application process without impacting your credit score.

Important Disclaimer

Financing approval is not guaranteed. Some applications may be declined based on creditworthiness or other factors. If your application is declined, you can contact the financing provider directly for more information or explore other payment options.

Helpful Links for More Information

• Affirm: https://www.affirm.com/help
• Katapult: https://katapult.com/support
• Sezzle: https://sezzle.com/help