Financing
A lot of the products in our store are large items and they cost more. It's helpful to be able to stretch your money with financing options to reach your dream now, especially when paying in full in 6 months without interest is possible in some cases. Our financial partners, HFS Financial, Affirm, and PayPal, are eager to serve you to attain your dream now.
Here's how to buy with HFS Financial
Click on the HFS button below. You will land on the application page. Follow the prompts and you will be qualified in minutes.
- Low-Fixed Rates
- Direct-To-Consumer Funded
- Personal Loans
- Same-Day Qualifications
- Terms Up To 20 Years
- Inquiring Won't Impact Your Credit Score
Here’s how to buy with Affirm
STEP 1
Fill your cart. Select Affirm at checkout, then enter a few pieces of information in the popup for a real‑time decision.
STEP 2
Choose how to pay. Select the payment schedule you like best, then confirm your loan. We’ll never charge more than you see up front.
STEP 3
Make easy monthly payments. Download the Affirm app or sign in at affirm.com. We’ll send you email and text reminders whenever a payment’s coming up.
Curious about the effect on your credit?
Your credit won’t be affected when you create an Affirm account or check your eligibility (including checking your pre-qualification eligibility). When you apply for or check to see if you prequalify for Affirm financing, it’s considered a soft inquiry, which does not affect your credit. If you decide to pay with installments through Affirm, your payment plan and repayment activity may be reported to credit bureaus. You can find more information on Affirm’s Help Center.
Does Affirm charge interest and fees?
Affirm doesn't charge any fees. That means no late fees, no prepayment fees, no annual fees, and no fees to open or close your account.
Depending on the size of your purchase and where you’re shopping, your payment plan may include interest. You’ll never owe more interest than you agree to on day one—so you always know exactly what you’re getting into.
Your rate will be 0% APR or 10-36% APR based on credit and the terms you choose, and is subject to an eligibility check. Payment options through Affirm are provided by these lending partners: affirm.com/lenders. Options depend on your purchase amount, and a down payment may be required. As an example for illustration, on a $700 purchase, you may pay $63.18 for 12 months with a 15% APR.
What does it mean to prequalify?
When you prequalify, you get an estimate of how much you can spend with Affirm. You don’t have to use the full amount, and you’re not on the hook to pay anything back until you actually make a purchase.
Here’s how to buy with PayPal Credit
To use PayPal Credit, simply checkout using PayPal and select PayPal Credit, Pay in 4, or Pay Monthly as your payment method.
