Financing FAQs
For additional information on financing click here.
Financing Made easy
Get your crate today!
Best for longer terms
Credit Check
Soft Check, until loan is taken out
Tied to Credit Rating
Yes
Interest Charges
0% - 36% APR
Payment Flexibility
Early repayment allowed
Number of Installments
3, 6, 12, 18 and 36 months*
Fees
No hidden or surprise fees
Spending Limit
$50 - $17,500
Approval Process
Real-time
Customer Service
24/7
Buy Now, Pay Over Time
*Rates from 0–36% APR. For example, a $800 purchase might cost $72.21/mo over 12 months at 15% APR. Payment options through Affirm are subject to an eligibility check, may not be available everywhere, and are provided by these lending partners: affirm.com/lenders.
Options depend on your purchase amount, and a down payment may be required. Estimated payment amount may exclude taxes and shipping. For licenses and disclosures, see affirm.com/licenses.
Best for 1-6 month terms
Credit Check
No check
Tied to Credit Rating?
Not if your purchase is split into 4 bi-weekly payments.
Interest Charges
0% APR
Payment Flexibility
Early repayment allowed
Number of Installments
Flexible, up to 6 months interest free
Fees
No hidden or surprise fees
Spending Limit
$50 - $20,000
Approval Process
Real-time
Customer Service
Business hours
BUY NOW, PAY LATER WITH SHOP PAY
Rates from 0–36% APR. Payment options through Affirm are subject to an eligibility check, and are provided by these lending partners: affirm.com/lenders.
Options depend on your purchase amount, and a down payment may be required. Estimated payment amount may exclude taxes and shipping. For licenses and disclosures, see affirm.com/licenses.
Best for Credit Cards
Credit Check
No Check
Tied to Credit Rating?
No
Interest Charges
Interest from Credit Card
Payment Flexibility
Early repayment allowed
Number of Installments
Flexible, 2 - 12 months
Fees
No hidden or surprise fees
Spending Limit
Credit Card Limit & Availability
Approval Process
Real-time
Customer Service
24/7
Split Payments, Not Your Budget
* Splitit will not charge you interest or fees. Other charges may apply from your credit card issuer. Credit card T&Cs apply
Financing made easy
No hidden fees. No surprises.
Impact’s financing options are as low as 0% APR, and all without hidden fees or markups.
Another way to pay
Get the best crate for your pup now, and relax knowing you can pay later.
Easy on your wallet
With flexible financing options, you can stick to your budget and still get the best crate around
Start financing today!
1. Start checking out
Select checkout on your cart once you are ready.
2. Enter shipping info
Complete the shipping section and advance to payment.
3. Select payment plan
Select a payment provider on the payment screen.
Learn More About Financing
Call Us
OPEN MONDAY - FRIDAY 9AM - 4PM (PST)
Call us with any questions, we're here to help!
Call Us
OPEN MONDAY - FRIDAY 9AM - 4PM (PST)
Call us with any questions, we're here to help!
Affirm
What is Affirm?
Affirm is a financing alternative to credit cards and other credit payment products. Affirm offers real-time financing for purchases online. With Affirm, you can buy and receive your purchase now, and pay for it in fixed monthly installments from 3, 6, 12, 18, and 36 months. Terms will vary based upon approval (0-36% APR). A down payment may be required.
Why buy with Affirm?
Here is what Affirm offers:
- Buy and receive your purchase now, and pay for it over time. This allows you to split up the price of your purchase into fixed payment amounts that fit your monthly budget.
- If Affirm approves you for a loan, Affirm discloses your loan terms before you make your purchase. You'll know exactly how much you'll owe each month, the number of payments you must make, and the total amount of interest you'll be paying over the course of the loan. Affirm does not charge hidden fees.
- The application process is secure and in real-time. Affirm asks you for a few pieces of information. After you provide this information, Affirm will notify you of the loan amount you're approved for, the interest rate, and the number of months you will have to pay off your loan, all within seconds.
- You don't need to have a credit card to make a purchase. Affirm lends to its partners directly on your behalf.
- Affirm bases its loan decision not only on your credit score, but also on several other data points about you. You may be eligible for Affirm financing even if you don't have an extensive credit history.
- Affirm will send you email and SMS reminders in advance of your upcoming payment. You can also enable "Autopay" to schedule automatic monthly payments on your loan.
Are there any interest or fees associated with Affirm loans (late fees)?
Affirm loans vary between 0-36% APR simple interest. The corresponding finance charge is the only fee associated with an Affirm loan. Affirm does not charge late fees, service fees, prepayment fees, APR penalties or any other hidden fees for a late payment. They strive to always be more transparent and fair than any other form of financing.
How do I make my (Affirm) payments?
Before each payment is due, Affirm will send you reminders via email and SMS that will include the installment amount that is coming due and the due date. You can also sign up for autopay so you don't risk missing a payment. Please follow these steps to make a payment:
1. Go to www.affirm.com/account
2 .You will be prompted to enter in your mobile number where you will be sent a personalized security pin.
3 .Enter this security pin into the form on the next page and click "Sign In."
4 .You'll now see a list of your loans and payments coming due. Click on the loan payment you would like to make.
5 .You can make a payment utilizing a debit card or ACH bank transfer.
Why was I denied financing by Affirm?
Please contact Affirm by clicking here, Affirm will notify you of the reason(s) for the decision via email.
Does Affirm perform a credit check?
Yes, when you first create an Affirm account, Affirm performs a 'soft' credit check to help verify your identity and determine your eligibility for financing. This 'soft' credit check will not affect your credit score.
How does Affirm approve borrowers for loans?
Affirm will ask you for a few pieces of personal information – your name, email, mobile phone number, date of birth, and the last four digits of your social security number. Affirm uses this information to verify your identity, and to make an instant loan decision. Affirm will base its loan decision not only on your credit score, but also on several other data points about you. This means you may be able to obtain financing from Affirm even if don't have an extensive credit history.
How does Affirm work?
Here are the steps in the Affirm loan application process: Select to pay with Affirm at checkout. Affirm will prompt you to enter a few pieces of information – your name, email, mobile phone number, date of birth, and the last four digits of your social security number. Please ensure that all of this information is your own and is consistent information otherwise you may experience difficulty with your checkout. To ensure that you're the person making the purchase, Affirm will send a text message to your cell phone with a unique authorization code. Enter the authorization code into the application form. Within a few seconds, Affirm will notify you of the loan amount you're approved for, the interest rate, and the number of months you will have to pay off your loan. You will have the option to choose to pay off your loan over time. Affirm will also state the amount of your fixed, monthly payments and the total amount of interest you'll pay over the course of the loan. If you would like to accept Affirm's financing offer, click "Confirm Loan" and you're done. Going forward, you'll get monthly email and SMS reminders about your upcoming payments. You can also set up autopay to avoid missing a payment. Your first monthly payment will be due 30 days from the date we the merchant completes processing your order.
ShopPay
Which payment methods are accepted if I use the option to pay in installments on Shop Pay?
For non-interest bearing orders, debit and credit cards are accepted through Shop Pay. For interest bearing orders, you can only pay using a debit card.
Can I use Shop Pay Installments if I'm an international customer?
Shop Pay Installments is only available to customers with a United States billing address and a United States mobile phone number. Customers with international billing addresses or phone numbers can't use Shop Pay Installments.
Is there a limit to how much I can spend on a single Shop Pay Installments order?
Yes, 20,000 USD is the order value limit that applies to purchases using Shop Pay Installments, including discounts, shipping, and taxes.
Are there late fees?
No, there are no late fees if you miss a scheduled payment.
What if I miss an installment payment?
There are no late fees for customers who miss a scheduled payment. However, partial payments or late payments might impact your credit score, or your eligibility to use Shop Pay Installments in the future. If you have questions about a missed installment payment, then you can contact Affirm support for assistance.
What if I make a return on a purchase made through installments with Shop Pay?
To request a refund, contact the store where you purchased your item. Using their return policy, the store will advise if a return is possible. If a return is possible, then the store will advise how much the refunded amount will be. After your refund is processed, the refund amount will be applied to your original payment method within 3-10 business days and your balance will be updated.
If your refund is less than your total purchase balance, then it might not lower your next payment. Instead, you can expect fewer payments, a smaller final payment, or both.
If your refund is more than your purchase balance, then the difference is returned to your original payment method within 3-10 business days.
If your order is made with interest payments, then the paid interest isn't refunded. When you make payments, the funds are first applied to the accrued unpaid interest and then to the principal. Interest is the cost of borrowing, and isn't refundable.
Have more questions?
For questions about installment payments on Shop Pay, visit https://shoppay.affirm.com/.
SplitIt
How can I contact Splitit?
Please visit their support centre.
Can I pay with a debit card?
No, unfortunately not. We are only able to accept credit cards at the present time.
Which credit cards are supported by Splitit?
Splitit is supported by Visa, Mastercard, and depending on the merchant, American Express, Discover and UnionPay.
Where can I find Splitit Terms and Conditions?
You can find all our terms and conditionshere.
Do I use a card I already have?
Yes.
Splitit helps consumers use their existing credit card to turn purchases into smaller, monthly payments.
The full amount of your purchase is authorized (held) on your credit card to guarantee future payments so you need to have at least that amount in available credit on your card.
The authorization amount reduces with each monthly payment you make until the balance is cleared and we renew these authorizations periodically. The previous authorization is removed as soon as we receive a new one.
What's the difference between a payment and an authorization?
Payments are the regualr installments that are charged to your credit card. Authorizations for the full outstanding amount are taken in addition to your regular installments, to guarantee your future payments.
When you buy using Splitit, the retailer takes your first installment straight away, this may be later if your goods are being shipped at a later date. The rest of your monthly installments are automatically taken on the same date as your first one. This date cannot be changed. Monthly installments show as ‘charged’ or ‘posted’ on your account.
In addition to your monthly installment payments, the full outstanding amount is authorized (held) on your card to guarantee future payments. Authorizations are usually renewed every 17-21 days until your plan is paid off. Authorizations get smaller with each installment paid. The previous authorization is released once a new one is obtained. Authorizations show as ‘pending’ or ‘reserved’ on your account. If your plan is kept on track, these authorizations are not charged.
How long are authorizations held for?
In addition to your monthly installment payments, the full outstanding amount is authorized (held) on your card to guarantee future payments. Authorizations are usually renewed every 17-21 days until your plan is paid off. Authorizations get smaller with each installment paid. The previous authorization is released once a new one is obtained. Authorizations show as ‘pending’ or ‘reserved’ on your account. If your plan is kept on track, these authorizations are not charged.
You can check your monthly payments as well as whether a re-authorization is due (when and for how much), in the Splitit shopper portal.
There are some variations to the above, depending on your retailer and the payment processor they use.
To see exactly how your plan works, log in to the shopper portal and under ‘Plan Details’ click on ‘How Splitit Works?’. This will take you to a detailed explanation of your particular plan.