Why Finance With Affirm?
Affirm makes it easy for you to get what you need now and pay later. It's easy to apply, and will not affect your credit score.
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Affordable Monthly Programs
Pay for your order over 3 months at 0% APR or over 24 or 36 months at competitive interest rates.*
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No Prepayment Penalties
You pay back the loan in monthly payments and can prepay at any time without penalty.
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Fast & Easy Online Application
No paperwork here! Applying is easy and financing terms are clear. Get a decision in seconds.
Frequently Asked Questions
What is Affirm?
Affirm is a financing option that allows you to pay for purchases over time with fixed monthly payments. Affirm offers instant financing depending on the loan amount and payment term.
How do I pay with Affirm during checkout?
To pay with Affirm during checkout, select Affirm as your payment method and then choose your payment plan on the Affirm website. Affirm accepts payment by debit card, bank transfer, and check.
How do I make payments on an order that I paid with Affirm?
You can make payments on your Affirm loan by logging into your account on the Affirm website or mobile app. You can also sign up for autopay to avoid missing a payment. Payments can be made online, by credit or ACH transfer, or by check.
Can I pay off my Affirm loan early?
Yes, you can pay off your Affirm loan early without incurring any prepayment penalties or fees. If you pay off the entire loan before the final due date, you will pay interest only for the period that you borrowed the money.
Does Affirm perform a credit check?
Yes, Affirm performs a soft credit check to determine your eligibility for financing. This check will not affect your credit score.
Does Affirm perform a credit check?
If you have questions or disputes about your Affirm loan, you can contact Affirm by emailing
[email protected] or calling
(855) 423-3729
Why Finance With Bread?
Bread Pay makes it easy to buy what you love and pay over time. With a simple application, no prepayment penalties, and clear terms, you stay in control of your purchase.
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Affordable Monthly Payments
Break your total into budget-friendly payments with competitive interest rates.
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No Prepayment Penalties
Pay off your balance early at any time — without extra fees.
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Quick & Easy Application
Apply in seconds at checkout and get an instant decision, with no impact on your credit to check eligibility.
Frequently Asked Questions
What is Bread Pay?
Bread Pay is a buy now, pay later (BNPL) financing solution that allows consumers to make online and in-store purchases over time, with payments typically spread over several months.
How do I use Bread Pay during checkout?
To use Bread Pay during checkout, choose Bread Pay as your payment method during the checkout process at a participating merchant. You'll then be guided through a short application process, which may involve providing personal information for a quick eligibility check. If approved, you'll be presented with installment plan options to choose from.
Are there any fees or interest?
Bread Pay does not charge any origination fees or prepayment penalties. However, interest rates can vary depending on eligibility and credit quality, ranging from 0.00% to 29.99% APR. For smaller purchases, you may be eligible for a SplitPay loan, which offers four interest-free payments.
Does Bread Pay perform a credit check?
Bread Pay uses a soft credit inquiry, not a hard credit check, when you prequalify or apply for a loan. This means checking your eligibility won't affect your credit score. However, Bread Financial may report your loan repayment information to credit bureaus, which could impact your credit score.
Can I pay off my Bread Pay plan early?
Also known as pay over time, Bread Pay™ is an easy way to buy the things you want now, while paying in installments that work with your monthly budget.
Why Finance With Klarna?
Klarna makes it easy to split your purchase into flexible payments. It’s simple, interest-free when paid on time, and lets you shop with peace of mind.
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Interest-Free Payments
Split your purchase into 4 interest-free payments paid every two weeks — no interest or fees when you pay on time.
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No Surprises
You’ll see your total upfront. Klarna charges no hidden fees and offers complete payment transparency.
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Real-Time Decision
Choose Klarna at checkout and get an instant decision in seconds — no long forms or waiting.
Frequently Asked Questions
What is Klarna?
Klarna is a global payments and shopping service that focuses on providing flexible payment options to consumers, particularly for e-commerce purchases. It offers various methods for customers to pay for goods, including "buy now, pay later" (BNPL) options, installment plans, and direct payments.
How do I use Klarna during checkout?
To use Klarna during checkout, simply select "Klarna" as your payment method, enter your details as needed, and choose your preferred payment option (Pay in full, Pay in 3, or Pay in 30 days). You can then manage your purchases and payments through the Klarna app.
Are there any fees or interest?
Klarna generally offers interest-free payment options like "Pay in 4" and "Pay in 30 days" when paid on time. However, if you choose financing or miss a payment, interest or fees may apply.
Does Klarna perform a credit check?
Yes, Klarna performs credit checks, but the type of check (soft or hard) depends on the payment option used. For most Klarna services, like "Pay in 4" or "Pay over time," they perform a soft credit check, which won't affect your credit score. However, if you apply for a Klarna Card or financing options, a hard credit check is performed, which can impact your credit score.
Can I pay off my Klarna plan early?
Yes, you can pay off your Klarna plan early. You can either pay the remaining balance in full immediately through the Klarna app, or you can make an early payment on an installment if you prefer to pay a specific amount ahead of schedule.
Why Finance With Katapult?
Katapult is designed for customers with no or limited credit. Lease-to-own flexibility, no hard credit check, and fast approval — all in one.
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No Credit Required
Apply without affecting your credit score. Katapult doesn’t require a traditional credit check.
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Flexible Lease-to-Own Terms
Pay over time and own your item once your lease is complete — simple, transparent, and secure.
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Quick Prequalification
Get pre-qualified in seconds with just a few details — no paperwork or waiting periods.
Frequently Asked Questions
What is Katapult?
Katapult is a lease-purchase platform that provides consumers with alternative financing options, particularly for those with less-than-perfect credit scores. It works by partnering with retailers to offer consumers a way to acquire goods like furniture, appliances, and electronics through installment payments, ultimately leading to ownership.
How do I use Katapult during checkout?
To pay with Katapult during checkout, select Katapult as your payment method and then You'll then be redirected to a Katapult page where you'll enter your personal information and payment details to verify your identity and get a real-time loan decision. Once approved, you can select your preferred payment terms, confirm your loan, and then submit your order.
Are there any fees or interest?
Katapult does not charge interest or late fees on its lease-to-own programs. The total cost of the product is transparently displayed upfront, and there are no hidden fees. The service focuses on offering flexible payment plans and a lease-to-own option, allowing customers to pay for goods over time without incurring additional costs.
Does Katapult perform a credit check?
Katapult does not require a credit check. They offer lease-to-own plans that do not involve traditional credit. While they may check past transactional history, according to Katapult's FAQ and report information about lease agreements to credit reporting agencies, an established credit history is not necessary. They utilize AI to understand a customer's purchasing journey and open up new purchasing power, says Katapult.
Can I pay off my Katapult plan early?
Yes, you can pay off a Katapult lease-to-own plan early. Katapult offers an early purchase option (EPO) that allows you to buy the item outright before the full lease term ends, according to Katapult for Shoppers. You can either pay off the entire balance within the first 90 days (with a small additional fee) or pay off the remaining balance at any point during the lease term, says Tires Easy.