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. Revolving plan also available. |
| 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. Revolving plan also available.
None
No penalty
Traditional consumer financing, more involved process.
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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.
