Stop floating material costs out of your own pocket. You shouldn't have to wait 30, 60, or 90 days to get paid for work you already bought materials for. Pay Later financing lets you get everything you need today, complete the job, collect payment from your client, then repay on your terms. Keep your cash flow healthy. Grow your business without the stress.
Stock Up Without Fronting the Cash
Fill your cart with everything you need for the job — stain, sealer, cleaners, tools. Select Afterpay, Klarna, Affirm, or Zip at checkout and get approved in under 60 seconds.
Split into 4 equal payments. Zero interest.
Approved in under a minute at checkout.
Only pay a quarter upfront. Rest over time.
Full balance within 30 days = zero cost.
Pay in 4. Interest-Free.
Split into 4 interest-free payments, every 2 weeks. No credit check for qualified customers. Just select Afterpay at checkout.
Select Afterpay → Instant approval → Pay 25% today, rest in 3 installments.
Smoooth Payments.
Pay in 4 or finance up to 36 months. Real-time approval. No late fees on Pay in 4 plans.
Choose Klarna → Quick application → Materials ship immediately.
Your Rate. Your Schedule.
Fixed monthly payments for 3–36 months. Know exactly what you'll pay. 0–30% APR based on creditworthiness.
Select Affirm → See rate in seconds → Flexible monthly payments.
Own It Now. Pay Later.
Buy now and pay over time with Zip. Simple installment plans with transparent terms and no hidden fees.
Choose Zip → Instant decision → Start your project same day.
Nope. Most Pay in 4 plans (Afterpay, Klarna) don't run a hard credit check. Affirm and Zip may do a soft pull, which won't impact your score. If you're approved for monthly financing, there may be a hard inquiry—but one inquiry is a small trade-off for thousands in working capital.
Life happens. Most providers offer grace periods and will work with you. That said, late payments may incur fees and could affect your ability to use the service again. The key is to only finance what you know you can repay once the client pays you. Match your payment schedule to your project timeline.
Yes—if you choose Pay in 4. Afterpay, Klarna (4 payments), and similar plans charge zero interest if paid on time. Monthly financing plans (3-36 months) may have interest depending on your credit, but you'll see the exact rate before you commit. No hidden fees. No surprises.
It varies by provider and your approval. Pay in 4 plans typically max out around $1,500-$2,000 per transaction. Monthly financing (Affirm, Klarna extended) can go up to $10,000-$50,000 depending on creditworthiness. Most contractors use Pay in 4 for smaller jobs and monthly plans for big material orders.
Absolutely. Once you're approved with a provider, you can use it again and again—as long as your previous payments are in good standing. Think of it like a line of credit that renews every time you finish paying off an order. Some contractors use it exclusively for business purchases to keep cash flow predictable.
Afterpay, Klarna, Affirm, and Zip are publicly-traded companies trusted by millions worldwide. They processed $20+ billion in transactions last year.
All transactions are encrypted end-to-end. Your payment info is tokenized. These platforms use the same security standards as major banks.
No hidden fees. No fine print tricks. Every plan shows you exactly what you'll pay and when before you commit.
Thousands of contractors nationwide use Pay Later to manage material costs without draining their accounts. This is standard practice for pros.
Clean digital records of every transaction. Easier bookkeeping, simpler tax prep, and clear separation between personal and business.
PRO PERKS