Bigger purchases

Monthly financing, up to 36 months

When a purchase is too big for a few installments, spread it further. These plans come from our licensed banking partner, which means real disclosures and a rate you see before you agree.

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6–36

Months

Up to $5K

Order value

Bank

Partner-provided

Upfront

Rate shown

Example on a $2,400 order$2,400

6 months$400/mo

12 months$200/mo

36 months$67/mo

Figures shown

Before any rate

APR AT CHECKOUT

Being clear

How financing differs from our short plans

This is the one part of our range that behaves like traditional consumer credit, and we would rather say so plainly.

	Pay in 3	Monthly financing
Provided by	Scalapay	Licensed banking partner
Interest	0%	May apply
Term	2 months	6 to 36 months
Credit check	No hard check	Assessed as credit
Reported to bureaus	Generally not	Usually
Disclosures	Schedule at checkout	Full APR and total cost
Early repayment	Allowed	Allowed, reduces interest

If a plan carries a rate, the number that matters is the total cost, not the monthly figure.

Choosing a term

Longer is not automatically better

The monthly figure falls as the term grows. The total does not.

A longer term makes sense when

Cases where it earns its place.

The item outlasts the planFurniture used for a decade financed over two years is a sensible trade. Paying for furniture →
The order is genuinely largeAbove roughly $1,500 a third of the total is still a substantial payment.
Your budget needs the roomA payment you can comfortably cover for 12 months beats one you cannot cover for two.
You plan to pay aheadEarly repayment reduces the interest, so a longer term with the intention to finish early is a hedge.

Think twice when

Where a long term costs more than it helps.

The item dates quicklyA phone replaced next year on a 36-month plan means paying for something you no longer use. Paying for tech →
You have not read the totalA low monthly figure at a real APR can add a lot over three years.
A short plan would fitIf you can clear it in two months at 0%, that is cheaper by definition. See Pay in 3 →
Other plans are already runningA three-year commitment stacked on existing plans is a long shadow. Staying in control →

Read the total, not the monthly figure. Your banking partner presents the APR, the term and the total amount payable at checkout for you to review before you agree to anything.

Estimate your payments

Questions

Monthly financing FAQ

What people ask before taking a longer plan.

How does monthly financing work?+

For larger orders you can spread the cost over 6, 9, 12 and up to 36 months. These plans are provided by our licensed banking partner, and the rate, term and total cost are shown at checkout before you agree.

Is monthly financing interest-free?+

Not always. Unlike Pay in 3, longer plans may carry interest depending on the plan and your profile. The APR and the total cost are presented in full before you confirm.

Is there a credit check for financing?+

Longer financing is assessed by our banking partner as consumer credit, which can involve a credit check and reporting to the bureaus. That is different from our short installment plans.

What is the maximum I can finance?+

Orders run up to $5,000. Your own approved amount depends on the assessment and on the retailer.

Can I pay a financing plan off early?+

Yes. Paying ahead of schedule reduces the interest you pay overall on any plan that carries a rate.

What happens if I return an order on financing?+

A refunded order settles the loan. Timing follows the banking partner's process and the retailer's refund policy.