Flagship plan

Pay in 3 — split it three ways, 0% interest

The simplest way to pay over time. A third at checkout, then one payment a month for two months. Nothing added, no interest, and the schedule is on screen before you confirm.

Apply Now See your schedule

Payments

2 months

To clear

Interest

$200–$5K

Order range

Example on a $300 order$300

Today · at checkout$100.00

In 1 month · auto-charged$100.00

In 2 months · auto-charged$100.00

Total added cost

$0.00

0% INTEREST

How it works

Four things happen, and only one needs you

From picking it at checkout to the last payment clearing.

Pick Pay in 3 at checkout

It appears alongside cards and wallets at partner stores.

Pay a third today

Charged to the card you register. Your order ships immediately.

We remind you before each charge

An email lands before every installment, so nothing is a surprise.

Two more payments, then done

Same date each month. After the third, the plan closes.

Run your own numbers → Compare with Pay in 4 →

The detail

Everything on one screen

No conditions that only appear later.

	Pay in 3
Number of payments	3
Time to clear	Over 2 months
First payment	At checkout
Interest	0%
Service fee	None
Order range	$200 – $5,000
Hard credit check	No
Early repayment	Allowed, no penalty
Late fee	Capped, reschedule available
Refunds	Remaining installments cancelled

Choosing it

When Pay in 3 is the right pick

It is our default plan for a reason, but it is not always the best one.

Pick Pay in 3 when

The common case.

You can cover a third todayIf the first payment fits comfortably, there is no reason to pay a fee to make it smaller.
You want zero added costGenuinely 0% when paid on time. Nothing is added at any point.
You are paid monthlyOne charge per month lines up with a monthly salary.
You want it finished quicklyTwo months, then the plan closes and your limit frees up.

Look at another plan when

Cases where something else fits better.

A third is too much todayPay in 4 makes each payment smaller for a small first-installment fee. See Pay in 4 →
You might return itPay Later charges nothing for 14 days after shipping. See Pay Later →
The order is largeAbove roughly $1,500, a third is still a big payment. See financing →
Your limit is tightA large order may need a longer term to be approved. How limits work →

Questions

Pay in 3 FAQ

What people ask before choosing it at checkout.

How does Pay in 3 work?+

You pay a third of the order at checkout, then the remaining two thirds are charged automatically one and two months later. There is no interest and nothing else added when you pay on time.

Is Pay in 3 really interest-free?+

Yes. On Pay in 3 you repay exactly the order total. Nothing is added at any point unless you miss a payment, in which case a capped late fee applies.

When exactly are the payments taken?+

The first at checkout, the second one month later, the third two months later, on the same date each month. You can see the real dates in the calculator before you commit.

What card can I use?+

Any major credit, debit or prepaid card in your own name. Each installment is charged to it automatically.

What if I want to pay it off early?+

You can, with no penalty. Paying early also frees up your available spending limit straight away.

Does Pay in 3 affect my credit score?+

There is no traditional hard credit check when you apply, so no inquiry is placed on your file. Short installment plans are generally not reported to the credit bureaus.