Three 0% Plans To Choose From
| Best: 0% - our easiest, most popular plan. |
Better: 0% - great alternative to Splitit. |
Good: 0% - traditional finance plan. | |
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Use your own credit card. Split the total into small monthly payments at 0%. 
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Online installment plan starting at 0% APR*.
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@Monthly payments as low as $30 at 5.9%* or 12 mos, same as cash. 
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| Application | No | Yes, only five bits of info required. | Yes. Full online application. |
| Impact on credit | No pull. Regular credit card reporting. |
Soft-pull. Will report deliquencies. |
Hard pull. Will report delinquencies. |
| Interest | 0% if monthly payments are made on time. | Rates range from 0% up. Depending on credit + term length. |
5.9% - 17.99% OAC |
| Down payment | None | You can choose / may be required | May be required. |
| Contract | No contract | Yes, all online | Yes, all online |
| Number / payments | You choose from 2 to 12 months | You choose term from 3 to 24 months | You choose up to 48 months. |
| Fees | None | None | None |
| Pre-payment | No penalty | No penalty | No penalty |
| Other | Use your own credit card. Earn all the rewards points. Balance due is held. Decreases with each payment. |
Traditional financing plan with streamlined process. |
Traditional consumer financing, more involved process. |
Use your own credit card. Split the total into small monthly payments at 0%.
No
No pull. Regular credit card reporting.
0% if monthly payments are made on time.
None
No contract
You choose from 2 to 12 months
None
No penalty
Use your own credit card. Earn all the rewards points. Balance due is held. Decreases with each payment.
Online installment plan starting at 0% APR*.
Yes, only five bits of info required.
Soft-pull. Will report deliquencies.
Rates range from 0% up. Depending on credit + term length.
You can choose / may be required
Yes, all online
You choose term from 3 to 24 months
None
No penalty
Traditional financing plan with streamlined process.
Monthly payments as low as $30 at 5.9%* or 12 mos, same as cash.
Yes. Full online application.
Hard pull. Will report delinquencies.
5.9% - 17.99% OAC
May be required.
Yes, all online
You choose up to 48 months.
None
No penalty
Traditional consumer financing, more involved process.
Not sure which plan is best for you? Let our specialists help. They’ll even be happy to handle the entire process for you!
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1 StepStart Checking Out
Select checkout on your cart once you
are ready. -
2 StepEnter Shipping Info
Complete the shipping section and
advance to payment. -
3 StepSelect Payment Plan
Select Affirm or Split IT on the
payment screen.
