Shop now, pay later at 0% APR*

purchases between $50-$3,000

Payment options are offered by Affirm and are subject to eligibility check and might not be available in all states. California residents: Affirm Loan Services, LLC is licensed by the Department of Business Oversight. Loans are made or arranged pursuant to California Financing Law license.

choose shop pay at checkout

pay in full -or- split your purchase into 4 equal installments

  • No interest
  • No hidden fees
  • No late fees
  • No impact to your credit score

Download the App

accelerate the checkout process with the shop pay app

Affirm apple app
Affirm App Google Play

If you finance your purchase with Affirm/Shop Pay, your first payment is due approximately two weeks after your purchase is finalized. Please note that in the event of extended delivery times, your loan payment(s) may be due before you receive your purchase.

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  Progressive LeasingSnap FinanceAffirmSHOP PAY
Use at checkout𝗫𝗫
Approval amountN/Aup to $5,000up to $17,500up to $3,000
Down Payment$49 initial payment
*The inititial payment of $49 (plus tax) is charged at lease signing.
Remaining lease payments will be determined upon item selection.
$10 initial payment
which will go toward the total cost of lease
A down payment may be requiredTheir underwriting system determines
whether your first payment is due at checkout or 2 weeks after your purchase.
Our takePros:
• Offered by a number of large retailers (Best Buy, Overstock.com)
• Low monthly payments
• Approval rates
• Mobile App
• 90-Day Purchase Option*

Cons:
• Inability to use at checkout

90-Day Purchase Option
*Standard agreement offers 12 months to ownership.
90-day purchase options cost more than the retailer's cash price (except 3-month option in CA). To purchase early call 877-898-1970.
Pros:
• Business model centered around customer service
• High approval rates
• low monthly payments
• 100-Day purchase option

Cons:
• Inability to use at checkout
Pros:
• Ability to use at checkout
• Mobile App
• Ease of use
• Great for large purchases
• Flexible payment options

Cons:
• up to 30% APR
Pros:
• No fees & No interest
• No impact to your credit score
(negative marks only limit future use of Shop Pay)
• Offered by a large number of e-commerce sites
• Mobile App
• Ability to use at checkout
• Ease of use
• Quick pay off over 4 installments

Cons:
• High installment payments over a short period
(depending on the purchase amount)
 BBB ratingA-
AA+N/A