- You elect 'Pay Over Time' at checkout, which will bring the balance to $0 (apart from any shipping/handling fees where necessary).
- You will then be sent an email asking for the number of installments you desire, as well as your preferred down payment.
- Once you reply, we will email you back a payment link. You will checkout again, this time paying the down payment. All subsequent payments will be automatically taken each month.
You can always speed this process up by calling or chatting with us and we'll process the installment right there!
Yes. The minimum amount you can finance is $150, considering the down payment can't be lower than $100. Products/services ineligible for financing won't even have the option at checkout.
The maximum amount you can finance is really up to your budget. Presently, we accept 12 installment payments so be sure to manage your money effectively.
You will be charged any payment processor fees (seen at checkout) + a Finance Charge:
2-3 installments: 5%
4-6 installments: 10%
7-12 installments: 20%
At or after checkout, you would have signed up with an email/password for a member dashboard. This is where all payment information and managing your profile exist. You will also be emailed a receipt where you can quickly update payment information without logging in to your customer portal.
In accordance with our Terms of Service, you will be charged a one-time $75 fee on the day after the 3-day grace period of your missed payment, along with a 4% daily late fee.
Installments are in place to help our clients manage their budgets efficiently and get more done without the large upfront lump sums. We still have to keep our lights on however so be sure to pay your installments on time or your products/services can be revoked! We hope it won't come to this, but we will seek legal action on business owners who aren't diligent in paying for products/services already rendered to them.
The deposit (or initial installment) is procured so that we can get started with no delay. The deposit is always 10% of the total cost of the product/service + Finance Charge BUT there are 2 caveats: for products/services totaling up to $1k, a minimum deposit of $100 is required, for products/services totaling more than $1k, a minimum deposit of $300 is required.
For example, if you want to finance an item that costs $800, before fees, your deposit would be $100 instead of $80. If the item costs $2,200, your deposit would be $300. If the item costs $6,000, the deposit would be $600.
You can elect to pay with your credit or debit card or with your balance via our Stripe and PayPal integrations.
That's always a yes. Just give us a call or shoot us an email and we'll process additional payments for you and adjust/cancel the recurring payments.