No. When you check your eligibility or prequalify with Affirm, Klarna, or Shop Pay, they perform a soft credit check that does not impact your credit score. Only if you proceed with the financing and complete your purchase will a hard credit inquiry be made.

You'll need to be at least 18 years old, have a valid U.S. mobile phone number, provide a valid email address, and have a U.S. bank account or debit card. The application takes just a few minutes and you'll receive an instant decision.

Yes! All of our financing partners allow early payoff with no prepayment penalties. You can pay off your balance at any time without incurring additional fees.

If you miss a payment, you may be charged a late fee by the financing provider. We recommend setting up automatic payments to ensure you never miss a due date. Contact your financing provider immediately if you anticipate difficulty making a payment.

It depends on your financial situation and preferences. Shop Pay Installments is great for smaller purchases you want to pay off quickly. Affirm offers the most flexibility with terms from 3 to 36 months. Klarna provides both short-term and longer financing options. PayPal Credit works well if you already use PayPal regularly. You can check eligibility for all options at checkout.

Yes! For qualified buyers, 0% APR means you pay absolutely no interest. Your total cost will be exactly the purchase price divided by your number of payments. However, 0% APR is subject to credit approval and may not be available to all customers.

Financing can be used on the final purchase price after any applicable promotions or discounts. However, please note that discount codes are not applicable on massage chairs due to manufacturer pricing policies.

If you're not approved for one financing option, you may still qualify for another. We offer multiple financing providers to maximize your chances of approval. You can also try applying again after 30 days or contact our customer service team to discuss alternative payment arrangements.