Financing & Payment Options
As low as 0% APR. Multiple providers. No hidden fees.
Last updated: May 2026
Payment Options
As low as 0% APR
3-24 months
Most popular. Soft credit check to prequalify.
As low as 0% APR
12 months
Long-term financing with promotional rates.
As low as 0% APR
4 payments or 6-36 months
Pay in 4 interest-free or choose monthly financing.
0% interest always
4 payments
Split into 4 equal payments every 2 weeks. No credit check.
Pre-tax savings
Pay with HSA/FSA
Use health savings for qualifying adjustable base purchases.
Payment Calculator
$200
$5,000
Estimated Monthly Payment
$166/mo
for 12 months on $1,995 purchase. Rates as low as 0% APR for qualified buyers.
Prequalify Now
Check your rate with no impact to your credit score
Affirm and Klarna use soft credit checks for prequalification. See your personalized rates before you buy.
Affirm prequalify
Synchrony prequalify
Klarna prequalify
Important Information
Affirm loans are made by Cross River Bank, Member FDIC. As low as 0% APR for qualified buyers.
Synchrony promotional financing subject to credit approval. As low as 0% APR on select terms.
Klarna Pay in 4: no interest, no credit check. Klarna Monthly Financing: as low as 0% APR for qualified buyers.
Shop Pay Installments: 4 interest-free payments every 2 weeks, no credit check required.
WithFlex: HSA/FSA debit card accepted at checkout for qualifying medical device purchases.
All financing can be combined with discount codes. Financing is calculated on the final amount after discounts.
No prepayment penalties on any financing option.
Frequently Asked Questions
Will applying affect my credit score?
Affirm prequalification is a soft check (no impact). If you proceed with a loan, a hard inquiry may occur. Shop Pay Installments has no credit check.
Can I pay off early?
Yes. No prepayment penalties on Affirm or Shop Pay.
What if I'm not approved for the lowest rate?
Affirm and Synchrony may offer alternative terms at higher rates. You can also use Shop Pay Installments (no credit check, 4 payments), Klarna Pay in 4, or WithFlex HSA/FSA.
Can I combine financing with a discount code?
Yes. Financing is calculated on the final price after discounts.
Can I combine financing with HSA/FSA?
Yes. Use your HSA/FSA card (or WithFlex) for a portion and finance the remainder with Affirm, Synchrony, or Klarna.
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