Compare Financing Options
Interest & Fees: 0–36% APR, no hidden fees
Credit Check: Soft credit check
Term Length: 3, 6, 12, 24, or 36 months
Best For: Customers who want predictable monthly payments
Considerations: APR varies based on credit score; terms and eligibility depend on the applicant
Interest & Fees: Lease-to-own, higher APR over long term
Credit Check: No credit needed
Term Length: Up to 18 months
Best For: Shoppers with low or no credit who plan to pay off quickly
Considerations: 100-day early buyout option saves on cost; full-term usage is more expensive
Interest & Fees: 0% interest; late fees may apply
Credit Check: No credit check (soft check in rare cases)
Term Length: 4 bi-weekly payments
Best For: Short-term budgeting on smaller purchases
Considerations: Requires consistent payments; spending limit varies per user
Interest & Fees: 0% or up to 24.99% APR
Credit Check: Soft or hard credit check depending on plan
Term Length: Pay in 4 or monthly options up to 24 months
Best For: Buyers who want a range of pay-later flexibility
Considerations: Approval and plan vary by store and user profile
Interest & Fees: 0–29.99% APR depending on plan and approval
Credit Check: Soft credit check for Pay in 4; hard check for longer terms
Term Length: Pay in 4 or extended plans up to 24 months
Best For: Existing PayPal users who want simple, secure installment payments
Considerations: Eligibility varies by user and merchant; limited to PayPal-supported stores
