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Financing

Finance your build

Put the parts on the car now and pay over time with Shop Pay Installments or PayPal. Pick your plan at checkout.

Pay over time at checkout

Shop Pay
Shop Pay Installments4 interest-free payments or monthly plans
PayPal
PayPal Pay LaterPay in 4, Pay Monthly or PayPal Credit

Subject to approval by the provider.

How it works

Three steps

  1. 01

    Build your cart

    Add your parts. Not sure something fits? Send us your year, make, model and engine and we'll confirm before you order.

  2. 02

    Pick a plan at checkout

    Choose Shop Pay and select Installments, or choose PayPal and select Pay Later. You'll see the plans you qualify for before you commit.

  3. 03

    Get a decision and ship

    Approval takes seconds. Once you're approved, your order ships like any other and you pay the provider over time.

Compare

Find the right fit

Each provider runs its own approval and sets its own terms. Here's how they compare for a parts order.

Shop Pay

Shop Pay Installments

Powered by Affirm

Best for most orders, from a set of pads to a full suspension build.

  • Split your order into 4 interest-free payments
  • Monthly plans on larger orders, as low as 0% APR
  • See your plan before you commit. Checking eligibility won't affect your credit score
  • No late fees, no hidden fees, no penalty for paying early
  • Manage payments in the Shop app

Subject to an eligibility check. Offered by Affirm's lending partners. Rates from 0–36% APR.

PayPal

PayPal Pay Later

Pay in 4 + PayPal Credit

Best if you already use PayPal and want everything in one account.

  • Pay in 4 interest-free payments on eligible orders
  • Pay Monthly plans on bigger orders
  • PayPal Credit promotional financing on eligible purchases
  • Manage everything in your PayPal account
See PayPal options

Subject to PayPal's approval and terms.

All options are subject to approval by the provider. Full disclosures are at the bottom of this page.

FAQ

Financing questions

Does checking my rate affect my credit?

Checking your eligibility for Shop Pay Installments won't affect your credit score. If you accept a monthly plan, Affirm may report it to the credit bureaus.

With PayPal, Pay in 4 doesn't affect your score either. Pay Monthly and PayPal Credit can involve a credit check, and PayPal tells you before you apply.

Can I finance sale items and shipping?

Yes. Financing is a payment method, so it covers your whole order: sale items, special-order parts, shipping and tax.

Is there a minimum or maximum order?

Each provider sets its own limits. The plans you qualify for show up at checkout. If a plan doesn't appear, your order total is outside that plan's range, so try the other provider.

Can I pay it off early?

Yes. There's no penalty for paying early with Shop Pay Installments or PayPal. Make extra payments in the Shop app or your PayPal account.

How do returns work on a financed order?

Our normal return policy applies. Request an RMA within 14 days of delivery and send parts back unused in their original packaging. A 20% restocking fee applies unless we made a mistake. Some parts, such as electrical and engine internals, can't be returned unless they're defective.

Once we approve your return, the refund goes back to the provider and your plan is reduced or canceled. Keep making your scheduled payments until the refund shows up in your account.

Who do I contact with questions?

For your payment plan, contact the provider: the Shop app for Shop Pay Installments, or PayPal. For your order, parts or fitment, contact us. Live chat is the fastest way to reach us.

Not sure what fits?

Tell us what you're driving and what you want out of it. We'll help you spec the parts, then you pick how to pay.