Affirm
Split purchases into 4 interest-free payments or use longer monthly plans for larger orders. Terms range from short-term pay-in-4 to extended installment options based on eligibility.
Afterpay
Shop now and pay in 4 interest-free installments over six weeks. You can also use Cash App Pay at checkout to pay instantly using your Cash App balance. No long forms and decisions within seconds.
Shop Pay Installments
Break any order into 4 interest-free payments or select structured monthly installments. Instant decision with no impact to your credit score when checking eligibility.
Klarna
Flexible plans for larger purchases allowing payment over 6–24 months with low-interest or interest-free options depending on the plan and eligibility.
Acima
No credit needed. Lease-to-own program with decisions within seconds and clear payment terms. Structured ownership path with flexible early purchase discounts.
Koalafi
No credit needed. Lease-to-own program with fast approvals and clear payment terms. Structured ownership path with flexible early purchase discounts.
Progressive Leasing
No credit needed. Lease-to-own option with automatic recurring payments and early payoff savings. Simple online application with quick decisions.
90-Day Layaway
30% down. No credit check. No interest.
Layaway is a short-term financing option available on select items when full payment is not possible at checkout. A non-refundable 30% down payment is required to reserve the item, with the remaining balance due within 90 days.
Frequently Asked Questions
What’s the difference between financing and lease-to-own?
What’s the difference between financing and lease-to-own?
Financing uses credit-based approval and fixed payment terms. Lease-to-own programs use flexible approvals with no credit needed and offer early ownership options.
Do lease-to-own options affect my credit?
Do lease-to-own options affect my credit?
Most lease-to-own partners use alternative approval methods that don’t rely on traditional credit checks. They typically don’t impact your credit score.
Can I get approved with low or no credit?
Can I get approved with low or no credit?
Lease-to-own partners such as Acima, Koalafi, and Progressive Leasing specialize in no-credit-needed approvals.
Which payment option is the fastest?
Which payment option is the fastest?
Many partners offer decisions within seconds. Pay-in-4 installment tools like Shop Pay Installments and Affirm provide instant decisioning for eligible customers.
Can I pay off a lease early?
Can I pay off a lease early?
Each lease-to-own partner includes early purchase options.
Can I use these payment options for any product?
Can I use these payment options for any product?
Most items are eligible, including furniture, mattresses, and home goods. Some restrictions may apply per partner.