AS LOW AS 0% APR

Easy monthly payments:
Provide some basic information and get a real-time credit decision to split your purchase into monthly payments. Rates from 0% to 36% APR with loans of 3, 6, or 12, 18 month terms.
Flexible repayment:
Simply pay your monthly bill using a debit card, bank transfer at www.affirm.com/pay.

E.g. On a $700 purchase, you may pay $63.18 for 12 months with a 15% APR

No Late Fees, Ever

No credit, no problem.
Be approved for up to $3,500 – no credit required

All it takes is $45.
With $45 at checkout, you enjoy parts from us today.

We’re all about options
Make minimum payments over time, or buyout early and save

Pay when you get paid
Payment options coordinate with your pay dates

SMOOTH AND SIMPLE

Pay in 4 interest-free installments
Split your purchase into four equal payments, automatically charged every two weeks. 
*CA resident loans made or arranged pursuant to a California Financing Law license

Choose your own payment Schedule-Weekly, Bi-Weekly, Semi Monthly & Monthly Options Available

No Credit Otion
Checkout in moments with our short and easy application

Instant Decisions
Approvals up to $5,000

90 Day Early Purchase Option
Purchase Early and take advantage of our best program

We provide easy and affordable financing through our partner PayTomorrow, so you can buy today and PayTomorrow!

• Tiered Lending Model: Uses a "one-size-fits-all" application that routes you to different terms (Lease-to-Own, Installment Loan, or Revolving Credit) based on your creditworthiness.
• Approval Amounts: Provides significantly higher limits than standard BNPL apps, with financing available for purchases up to $6,500.
• Flexible Term Lengths: Offers repayment schedules ranging from 12 to 36 months, depending on the purchase price and your credit tier.
• Credit Impact: Performs a soft credit pull for the initial application, but some financing tiers may report your payment history to major credit bureaus, helping you build credit over time.
• Early Buyout Incentives: Many of their plans include a 90-day early buyout option, allowing you to pay off the balance quickly to save on interest or leasing fees.
• Accessibility: Accessible to consumers with no credit or thin credit files, as they look at banking data and income rather than just a FICO score.

• Pay in 4: Split purchases between $30 and $1,500 into four interest-free payments made every two weeks. No interest, no late fees, and no impact on your credit score to apply [1, 2, 4].
• Pay Monthly: For larger purchases up to $10,000, enjoy the predictability of monthly installments over 6, 12, or 24 months. Enjoy competitive fixed rates and no hidden sign-up or late fees [1, 5, 8].

Why choose PayPal Pay Later?

• Instant Decisions: Get approved in seconds during checkout [1].
• Zero Hidden Fees: No sign-up fees or late fees on any plan [1].
• Trusted Security: Your purchase is backed by PayPal Purchase Protection [1].

Afterpay is a leading Buy Now, Pay Later (BNPL)platform that allows consumers to split purchases into four interest-free installments over six weeks. As of2026, it operates as a wholly owned subsidiary ofBlock, Inc.(formerly Square), serving over24 million active global customersand partnering with more than348,000 merchants.Afterpay Newsroom +3Core Service Offerings

• Pay-in-4: The signature interest-free plan where the first 25% is paid upfront, followed by three equal payments every two weeks.
• Pay Monthly: An option for larger purchases (typically over $100) allowing financing over 6 to 24 months. Unlike the standard plan, this may include interest (APRs up to 35.99%).
• Afterpay Card: A virtual card that can be added to digital wallets like Apple Pay or Google Pay for use at in-store retailers.
• Cash App Integration: Now often branded as Cash App Afterpay, the service is deeply integrated into the Cash App ecosystem for seamless person-to-person and merchant payments. 

Snap Financing is a lease-to-own financing provider designed for consumers with limited or "less-than-perfect" credit. Unlike traditional lenders, Snap uses a proprietary AI-driven platform that considers non-traditional factors likeincomeandbanking history rather than relying solely on FICO scores.

• Approval Amounts: Typically ranges from $300 to $5,000.
• Core Audience: Targets the approximately 40% of U.S. consumers who are building or rebuilding credit.
• Key Benefit: 100-Day Cash Payoff option, which allows users to pay off the lease early with a small fee, avoiding long-term lease costs.
• Eligible Items: Commonly used for high-ticket essentials like furniture, appliances, electronics, and auto repairs/tires.
• Requirements: Applicants generally must be 18+, have a steady income, and maintain an active checking account.

A popular buy now, pay later (BNPL)platform that provides interest-free financing by splitting your purchase total into smaller, manageable installments. It is designed as a transparent alternative to traditional credit cards, focusing on predictable cash flow rather than revolving debt. While the standard service is free for on-time payments, Sezzle also offers subscription-based upgrades likeSezzle Anywhere for use at nearly any Visa-accepting retailer and Sezzle Premium for exclusive brand access and rewards

• Core "Pay-in-4" Plan: Splits your purchase into four equal installments over six weeks; the first 25% is due at checkout, with the remaining three payments due every two weeks.
• No Interest or Hidden Fees: Standard plans are 0% APR as long as you pay on time, and there are no upfront costs for the basic service.
• Credit Impact: Uses a soft credit check that does not affect your FICO score. Reporting to credit bureaus is strictly optional through the Sezzle Up program.
• Approval & Limits: Decisions are instant; spending power typically starts between $100–$500 and increases over time with a consistent history of on-time payments.
• Flexibility Tools: You can reschedule one payment per order for free (up to a two-week delay), while additional reschedules or late payments may trigger small fees.
• Monthly Financing: For larger purchases, Sezzle offers a Pay Monthly option with terms from 3 to 48 months, though this typically includes interest (up to 34.99% APR) and may require a hard credit pull.

Shop Pay Installments, exclusively powered by Affirm, integrates directly into the Shopify checkoutto offer flexible "buy now, pay later" options. It is specifically designed to provide a seamless, one-tap experience for returningShop Payusers, allowing them to split costs into interest-free bi-weekly payments or longer-term monthly plans.

• Flexible Payment Options: Offers "Pay in 4" interest-free installments every two weeks for orders between $50 and $999.99, or monthly interest-bearing terms (0–36% APR) for orders up to $30,000.
• No Hidden Fees: Unlike many traditional lenders, there are no late fees, hidden charges, or penalties for paying off your balance early.
• Credit Impact: Checking your eligibility uses a soft credit pull that does not affect your score. While the "Pay in 4" plan typically has no credit impact, monthly installment history may be reported to credit bureaus.
• Seamless Management: Users can track all orders, manage automatic payments, and receive reminders directly within the Shop App.
• Payment Restrictions: It does not accept Capital One credit cards, prepaid cards, or digital wallets like Apple Pay.
• Merchant-Specific Availability: Only available at participating stores that use Shopify Payments and have enabled the feature.