Eligibility

Check what you are eligible for

Four questions, answered in your browser. Nothing is sent anywhere, no account is created, and no credit check is run. It tells you whether the published conditions are met — not whether an order will be approved.

1. Are you of legal age in your state and a US resident?

2. Can you complete an identity check with a US mobile number?

3. Do you have a credit, debit or prepaid card in your own name?

4. Roughly how much is the order?

Answer the questions
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Pick an answer on the left and this updates as you go.

    This is a self-assessment against our published conditions, not a decision and not a quote. Every order is assessed individually at checkout and approval is never guaranteed.

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    The conditions

    What we actually require

    These are the published conditions. Meeting them does not guarantee approval, but not meeting them rules it out.

    Legal age and US residency

    You need to be of legal age in your state, with a US address.

    A verifiable identity

    Identity verification is a regulatory requirement for any licensed payment provider, not an optional step.

    A US mobile number

    Used to verify you and to send the reminder before each payment.

    A card in your own name

    Credit, debit or prepaid. This is what each installment is charged to.

    An order between $200 and $5,000

    Individual retailers can set tighter limits inside that range.

    A partner retailer

    The store has to offer Scalapay at checkout. Browse partner stores →

    Beyond the basics

    What else affects an individual order

    Meeting the conditions gets you to the checkout. These decide what happens there.

    Helps your chances

    Things within your control.

    • A clear payment history with usOn-time payments are the strongest signal we have. How limits grow →
    • Room inside your available limitCheck it in the app before you shop rather than at the checkout screen.
    • A card that verifies reliablyA card that cannot be charged is a common cause of a decline.
    • An order sized to your historyA first order is capped lower. Two smaller baskets often work where one large one does not.

    Works against you

    Common reasons an order is declined.

    • A plan that is overdueAn existing plan behind on payments blocks new ones until it is cleared. Catching up →
    • Several plans already runningThey all draw on the same limit, even when each one is small.
    • An order above the retailer capStores set their own maximums inside our range.
    • An incomplete identity checkVerification that has not been finished will stop an order going through.

    Want the real number? This page checks conditions. Your actual available limit is visible in the app once you have an account, and that is the figure that decides whether a particular order goes through.

    How limits work
    Questions

    Eligibility FAQ

    What this check does and does not tell you.

    Does this check guarantee approval?+
    No. It is a self-assessment that reflects the conditions we publish, not a decision. Every order is assessed individually at checkout, and approval is never guaranteed.
    Does using this affect my credit score?+
    No. Nothing on this page contacts a credit bureau, creates an account or runs any check. It is a set of questions answered in your browser.
    What are the basic requirements?+
    You need to be of legal age in your state, have a US address and mobile number, be able to complete identity verification, and have a credit, debit or prepaid card that can be verified. The order needs to be between $200 and $5,000 at a partner retailer.
    Why might I be declined even if I meet all of this?+
    Approval also depends on your available limit, any plans already running, whether the card verifies, and the retailer own limits. A decline is about the individual order rather than about you.
    Do I need a credit history?+
    Not for installment plans. There is no traditional hard credit check, so a thin or damaged file is not automatically a barrier. Monthly financing of 6 to 36 months is assessed separately by our banking partner.
    Can I check my actual limit?+
    Yes, in the app once you have an account. That figure is the real one; this page only tells you whether the basic conditions are met.
    Related

    Before you apply

    What we look at instead of a credit file when you apply. Approval

    Shopping without a hard credit check

    What we look at instead of a credit file when you apply.

    6 min read→
    Why a first order is capped lower, and what moves the number up. Limits

    How your spending limit works — and grows

    Why a first order is capped lower, and what moves the number up.

    4 min read→
    What shows up on your credit file for short splits versus longer financing. Credit

    Does buy now, pay later affect your credit score?

    What shows up on your credit file for short splits versus longer financing.

    8 min read→
    Payment calculator How it works Partner stores Is Scalapay safe?

    Conditions met?
    Two minutes to sign up.

    Email, mobile, ID and a card. No hard credit check on installment plans.

    Apply NowHow approval works
    Pay in 3 · 0% interest
    $200–$5,000 · no credit check
    Apply Now