EMist Financing Options


  • Transparent: The total amount that you pay will never go up.
  • Flexible: You choose the payment schedule that works for you.
  • Fair: Never pay late fees, penalties, or hidden interest, EVER.

With Affirm, you never pay more than you agree to upfront. With a credit card, you owe more interest the longer you take to pay off your balance, in addition to other fees you may incur.

New Financing (or) Existing with Affirm
Affirm dictates Interest Rate


  • Step 1: Fill your cart
    • Shop on our website and then select Affirm at checkout. Enter a few pieces of information and get a real-time decision.
  • Step 2: Choose how to pay
    • Select the payment schedule that works for you, then confirm your loan. You will never be charged more than you see up front.
  • Step 3: Make easy monthly payments
    • Download the Affirm app or sign in at affirm.com. You will receive email and/or text reminders so you never miss a payment.


  • Social Security Number
    • Your Social Security number helps verify it’s really you who’s signing up, and not someone else. Rest assured, all your information is safe with bank-level, 128-bit encryption.
  • Age
    • To create an Affirm account, you must be at least 18 years old. There are exceptions to this: You must be 19 years old if you live in Alabama or if you’re a ward of the state in Nebraska.


Will Affirm affect my credit score?

Creating an Affirm account and seeing if you prequalify will not affect your credit score. If you decide to buy with Affirm, these things may affect your credit score: making a purchase with Affirm, your payment history with Affirm, how much credit you’ve used, and how long you’ve had credit. 

Does Affirm charge interest and fees?

Affirm does not charge any fees. That means no late fees, no prepayment fees, no annual fees, and no fees to open or close your account. Depending on the size of your purchase and where you’re shopping, your payment plan may include interest. You’ll never owe more interest than you agree to on day one—so you always know exactly what you’re getting into. 

What does it mean to prequalify?

When you prequalify, you get an estimate of how much you can spend with Affirm. You don’t have to use the full amount, and you’re not on the hook to pay anything back until you actually make a purchase.

How does Affirm make money?

Affirm earns a commission from businesses, and shoppers pay interest on some items. Unlike credit card companies, Affirm does not depend on shoppers paying late or staying in debt. Instead, they try to give shoppers a great experience, so they come back and use Affirm again.

Buy now, pay later | Pay in 4 


  • Make interest-free payments with Pay in 4.*
  • When you apply, you’ll get a decision in seconds.
  • You’ll get the same security and protection you expect from PayPal.
  • You can Pay in 4 at millions of online merchants.
  • Payments are easy to manage through the PayPal app and PayPal.com.


  • Step 1: Choose PayPal at checkout and select “Pay Later.” You will see “Pay in 4” as a way to pay.
  • Step 2: Get a decision in seconds and complete your purchase.
  • Step 3: Make the down payment today, and pay the rest in 3 payments – one every two weeks.


What purchase amounts qualify for Pay in 4?
You can use Pay in 4 for eligible shopping cart values between $30 to $1,500.
What are the terms and conditions for my Pay in 4 plan?
You must read the loan agreement of your Pay in 4 plan before you submit your application. You will see the link to the loan agreement when you choose to apply for Pay in 4 at checkout. You will also have the option to download the loan agreement. Once your plan starts, we will send you an email containing important information about your Pay in 4 plan, including how to locate your loan agreement.
Are there any fees associated with Pay in 4?
There are no fees for choosing to pay with Pay in 4, however if you are late with a payment you may be charged a late fee.
How long will my Pay in 4 plan last?
Your individual plan will last a little over 6 weeks in total. The down payment will be due at the time of the transaction and 3 subsequent payments will be taken every 15 days thereafter.

Buy now, Pay over time | PayPal CREDIT

PayPal Credit is an open-end (revolving) credit card account that provides a reusable credit line built into your account with PayPal giving you the flexibility to pay for your purchases right away or pay over time. It’s easy to apply, easy to use, and there whenever you need it. PayPal Credit is subject to credit approval and is offered by Synchrony Bank.


  • No interest if paid in full in 6 months on purchases of $99+.
  • No Annual Fee.
  • When you apply, you’ll get a decision in seconds.
  • You’ll get the same security and protection you expect from PayPal.
  • Free Return Shipping.
  • Purchase Protection: Doesn’t match exact description or doesn’t arrive at all + shipping cost.


  • Step 1: Choose PayPal at checkout and select “PayPal Credit” for your payment method.
  • Step 2: Get a decision in seconds and complete your purchase.
  • Step 3: At any time, you can choose to make a one-time payment or schedule automatic payments towards your balance due. You can pay from either your PayPal balance if you have a PayPal Cash or PayPal Cash Plus account, or your linked bank account conveniently on PayPal.com.


Is there a fee or late payments?

Yes, you will be charged a late fee for each month the minimum payment is not paid by the payment due date. An explanation of the Late Payment Fee is provided in the current version of the PayPal Credit Terms and Conditions.

The Late Fee is equal to:

  • $29, if you have paid your minimum payment due by the due date in each of the prior six billing cycles; OR
  • $40, if you have failed to pay your minimum payment due by the due date in any one or more of the prior six billing cycles.
  • The Late Fee will never be more than the minimum payment that was due.
What is the Annual Percentage Rate (APR)?

For New Accounts: Variable Purchase APR is 23.99%. The APR is accurate as of 3/1/2021 and will vary with the market based on the Prime Rate (as defined in your credit card agreement). The Minimum Interest charge is $2.00.

Is “No Interest if paid in full in 6 months on purchases of $99+” an introductory offer?

No, it is not an introductory offer. It’s an offer that’s available on every purchase of $99 or more. Interest will be charged to your account from the purchase date if the balance is not paid in full within 6 months. Minimum monthly payments required.


  • Interest-free.
  • No late fees.
  • No application or credit check.
  • Does not affect your credit score.
  • Use your existing credit card.


  • Step 1: Choose Splitit at Checkout.
    • Always 0% interest.
  • Step 2: Select Number of Payments.
    • There are no applications or credit checks, and you continue to earn points and rewards on your card.
  • Step 3: Pay Over Time.
    • Use your favorite credit card to split your payments into smaller, bite-sized pieces.

** At the time of purchase, once the merchant confirms your order, you will only be charged for the first payment. The entire amount will be held on your card as a temporary hold, and released within 5 business days.
** To be eligible, you must own a VISA or MasterCard credit card and have the entire amount of your purchase available on your card.
** Splitit will not charge you interests or fees. Other charges may apply from your credit card issuer.


How do I track the installment payments on my card statement?

Each month, your credit card statement displays the installment charge amount for that month, along with the merchant name. You will also see the authorization/hold for the outstanding amount dropping by one installment, every month. In addition, Splitit will email you after each successful installment charge.

*Note that the held amount might show as ‘pending transaction’ on your credit card statement.

How does Splitit use authorization holds?

Splitit transactions work on a pre-authorization (aka “pre-auth”) system. Splitit maintains a hold on a consumer’s credit card for the entire amount but charges only the current installment. It temporarily decreases their available credit limit by blocking the total amount of the purchase, until the transaction is complete. As the consumer pays each installment, the amount blocked (or held) on their credit card decreases, until the purchase is completely paid off. This way, Splitit ensures the shopper is capable of paying the total price. A shopper is only approved to use Splitit’s installment-payment option if they have enough credit available to cover the full purchase price.

Is SplitIt a safe solution?

Yes. Splitit complies with Visa, Mastercard, and UnionPay operating standards. We are PCI – DSS level 1 compliant and we use communication security technology (single-socket layer/ SSL) to keep the information safe.