How To Apply

Add the product you’d like to finance to your cart and proceed to checkout. Instead of entering your credit card information, simply select one of the financing options available at checkout: Synchrony or Katapult.

Synchrony Financing

Ride now and pay later with Synchrony, offering flexible monthly payments that fit your budget.

Get the performance you want today with fast, simple Synchrony financing and low monthly payments.

Synchrony financing lets you split your purchase into affordable monthly payments.

Buy today with Synchrony and enjoy easy financing designed to make your purchase more accessible.

How to Apply for Financing

Step 1

You can review available financing plans and estimated monthly payment options directly on each product page. If your purchase includes several items, you may also apply during checkout to see financing offers based on your entire order.

Your rate will depend on your selected repayment timeline. Our financing partners provide equal-payment plans ranging from 3 to 18 months.

Step 2

At checkout, choose the financing provider you prefer.

If you already have an account with that provider, you’ll be prompted to sign in. New customers will complete a quick application before proceeding.

Step 3

Once approved, pick the payment plan that fits your budget. During this step, you can review interest rates, payment schedules, and finalize the financing agreement through a secure checkout process.

If You Are Not Approved

If Affirm cannot approve your application, you may be automatically offered financing options through one of their partners, such as Katapult or Shop Pay.

  • Katapult provides lease-to-own solutions.
  • Shop Pay Installments also operates through Affirm.

If none of these work, you may apply through Klarna, which offers flexible post-purchase payment arrangements.

Frequently Asked Questions About Katapult

Q: What is Katapult?
Katapult is a lease-to-own financing option designed to help customers with low or developing credit scores. Their approval process considers more than just credit history, making financing accessible to a wider range of shoppers.

Q: How does Katapult work?
Katapult allows customers to acquire products without paying the full amount upfront or passing a traditional credit check. Their system provides quick decisions and requires only minimal information. Customers lease the product with the option to purchase through an Early Purchase Option or by completing the full lease schedule.

Q: What do I need to apply for Katapult?

  • A mobile phone capable of receiving SMS messages
  • A valid U.S. residential address
  • A Social Security Number or ITIN
  • A valid email address
  • A debit or credit card for payments (not prepaid or gift cards)
  • Government-issued photo ID verifying you are 18+

Pre-approval does not impact your credit score.

Q: What payment methods does Katapult accept?
Payments can be made by credit card, debit card, or check.

Q: Where is Katapult available?
Katapult is available throughout the United States except in:
Minnesota, New Jersey, Wisconsin, and Wyoming.

Q: Does Katapult charge interest?
No. Katapult offers a lease-to-own agreement, which is not a loan and does not involve interest or APR. Lease payments are based on the terms of the lease, not interest calculations.

Q: Does Katapult charge late fees?
No. Katapult does not charge late fees of any kind.

Q: Why choose lease-to-own?
Lease-to-own provides access to products when traditional credit options are not available or approved. Customers can use the product immediately while working toward ownership through scheduled payments or an early buyout.

Frequently Asked Questions About Synchrony

Q: What is Synchrony?
Synchrony is a leading consumer financing provider offering credit-based installment plans for qualified customers. It enables buyers to make larger purchases and pay them off over time through predictable monthly payments.

Q: How does Synchrony financing work?
When applying at checkout, customers complete a short credit application. If approved, Synchrony provides a credit line that can be used immediately for the purchase. Customers repay the balance through fixed monthly installments based on the promotional terms provided.

Q: What do I need to apply for Synchrony?

  • A valid U.S. government-issued photo ID
  • A Social Security Number
  • A valid mailing address
  • A credit or debit card for identity verification
  • You must be 18 years or older (19+ in some states)

Credit approval is required, and applying may result in a credit inquiry.

Q: What payment methods does Synchrony accept?
Payments can be made online or by phone using debit card, bank transfer, or mailed check. Customers can also set up automatic monthly withdrawals.

Q: Where is Synchrony available?
Synchrony financing is available to customers throughout the United States, subject to credit approval and state regulations.

Q: Does Synchrony charge interest?
Synchrony offers promotional financing that may include deferred interest or fixed-rate installment plans. Terms vary by offer. Customers will see all applicable rates, monthly payments, and repayment schedules before completing their financing agreement.

Q: Does Synchrony charge late fees?
Yes. If a payment is missed or late, Synchrony may apply a late fee according to the terms of the credit agreement.

Q: Why choose Synchrony?
Synchrony provides access to higher credit limits, clear monthly payment plans, and fast approval decisions. It is ideal for customers who prefer structured financing with predictable costs and the flexibility to manage larger purchases over time.

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