Financing
Get on the water now,pay over time.
Four interest-free payments, or longer terms with low APR. Approval in 30 seconds at checkout. No impact to your credit score to check rates.
Two ways to pay.
Pay in 4
0% APR · 4 payments · 6 weeks
Split into 4 equal payments. First one at checkout, next three every two weeks. No interest, no fees. Best for under $1,500.
Monthly financing
0–36% APR · 3–36 months
Stretch a bigger purchase over 6, 12, 24, or 36 months. Rates depend on credit. See your exact rate before you commit.
Common questions
- Does checking my rate hurt my credit?
- No. We do a soft credit check that doesn't affect your score.
- When is my first payment?
- Pay-in-4 charges the first installment at checkout. Monthly plans bill 30 days later.
- Can I pay it off early?
- Yes. No prepayment penalty. Pay it off whenever you want.
- Is there a minimum order?
- $100. Below that, just pay outright at checkout.
Estimate your payment
Slide to see what you'd pay each term. Final rate depends on credit.
Pay in 4 (every 2 wks)
Total: $2499
$624.75
per 2 wks
6 months · 0% APR
Total: $2499
$416.50
per month
12 months · 9.99% APR
Total: $2636
$219.69
per month
24 months · 14.99% APR
Total: $2908
$121.16
per month
36 months · 19.99% APR
Total: $3343
$92.86
per month
Estimates only. Final APR shown at checkout after soft credit check. No impact to score. Lender is Affirm.