Secure application · $200 – $5,000

Apply in two minutes.
Shop the same day.

Fill in the form and see what you qualify for. Nothing is charged until you choose a plan at a retailer checkout, and every schedule is shown before you confirm.

  • 0% interest on Pay in 3. You repay exactly what you spend — three payments spread over two months, with nothing added.

  • No hard credit check. Applying for an installment plan leaves no inquiry on your credit file.

  • A decision in minutes. Most applications get an answer straight away, not by email the next day.

  • Limits that grow. Pay on time and your available amount rises with your repayment history.

Apply→See your plan→Shop today

Submitted over an encrypted connection · No hard credit pull on installment plans · The form is operated by our application partner — see the full conditions

Secure application · No hard credit check

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Encrypted✓ No hard credit pull✓ No obligation
18+ & US resident
US mobile number
Email address
A payment card

Approval is not guaranteed and depends on your account profile, the size of the order and the retailer. New accounts typically start with a lower available limit that grows with on-time repayment. Orders run from $200 to $5,000. Pay in 3 and Pay Later are interest-free when paid on time; Pay in 4 adds a small service fee to the first installment; financing of 6 to 36 months is provided by a licensed banking partner with the rate and total cost shown at checkout before you agree. The application form on this page is operated by our application partner — see our privacy policy for how your details are handled.

Questions

Application FAQ

What people ask before filling in the form.

How long does the application take?+
Around two minutes. You will need an email address, a US mobile number, and a card in your own name. Approval is usually immediate.
Does applying affect my credit score?+
Applying for an installment plan does not involve a traditional hard credit check, so no inquiry is placed on your credit file. Longer financing of 6 to 36 months is assessed separately by our banking partner. More on credit and pay-later.
What do I need to hand?+
An email address, a US mobile number, proof of identity, and a credit, debit or prepaid card. Nothing else. Check the full conditions.
Am I committing to anything by applying?+
No. Applying shows you what you qualify for. You choose a plan at the retailer checkout, and every schedule is shown before you confirm.
Why was I not approved?+
A decline reflects the individual order, your available limit or an unverified card rather than a judgement on your credit. What we look at.
Who handles my application data?+
The application form is operated by our application partner and submitted over an encrypted connection. How your details are used is set out in our privacy policy.