Visa Installments Details & FAQs

Getting started with Installments

How do I make a purchase using an installment plan on my credit card?

Shop on our website and check out as usual. At checkout, enter your Visa card details or select the eligible Visa card associated with your account. If your card is eligible for installments, you can select one of the available installment plans as your payment method. Choose a plan option, then complete your order as usual.

Please note that any selected installment plan will apply to your entire purchase order, including shipping and taxes.

If you are unsure whether your card is eligible for installment offers, please check with your card-issuing bank.

How does it work to use an installment offer on my eligible Visa credit card?

For eligible Visa credit cards, you will be able to pay for your purchase in equal monthly payments over 6 or 12 months. Exact terms along with APR, fee information and available plan options will be presented to you at checkout and will be determined by your credit card issuing bank. Monthly payments will be to your credit card issuing bank, and will be included in your card statement. Please check with your issuing bank for further details.

Where can I shop using installments?

We are a participating merchant and eligible installment offers from your card-issuing bank will be presented at checkout. Please check with your bank for other participating merchants.

Do you perform a credit check?

No, we do not perform any credit check. The installment plans offered at checkout are with your existing Visa credit card and utilizes the existing credit limit on your credit card. No new approvals are required.

How do I qualify for an installment plan?

Eligibility for an installment plan is determined by your credit card issuing bank. If eligible, an installment plan option will be available on our checkout page as a payment option. We might additionally set a minimum purchase amount threshold on the order total for you to qualify for an installment plan

Is there a limit to how much I can spend on a single purchase using an installment plan?

Yes. Payments will be made monthly to your card-issuing bank, but your card’s available credit limit will be reduced by the total amount of your purchase. If you do not have enough room on your credit card limit, you may be declined for the purchase (just like in a regular credit card transaction).

When will my items be delivered if I use an installment plan for my purchase?

Orders are delivered within our standard shipping timeframes. You could receive your item before you pay off the full balance of purchase price.

Returns and Refunds

How do I return or exchange an item purchased with an installment plan?

Returns for purchases made with an installment plan follow our standard return process. If refund is approved and via the original payment method, the refund will apply to the credit card with your installment plan.

Will my installment plan be cancelled after I make a return?

Please contact your credit card issuing bank for specifics on how refund amounts will be applied to your existing installment plan.

How do I cancel my installment plan?

If you would like to cancel your installment plan, please contact your credit card issuing bank.

How do I talk to someone for questions regarding my installment plan?

For questions regarding your installment plan, please contact your credit card issuing bank.

Payments and billing

How is my monthly payment amount calculated for the installment plan?

• The monthly amount takes the total cart purchase amount, inclusive of taxes and shipping, and is equally split by the duration of your plan (6 or 12 months). If there are fees associated with the installment plan (i.e. APR or monthly installment fee), those fees are also included in the monthly payment amount. The amount is rounded up to the nearest penny, and any slight difference is reflected in the last month payment amount.
• The monthly payment amount and the total fees (if applicable) are clearly outlined on the checkout page when the installment plan is available as an option.

Are there any fees or APR associated with my installment plan?

• Any additional fee or APR associated with the installment plan is presented at check-out, along with the specific plan’s terms and conditions set by your credit card issuing bank. We are offering 6 and 12 month plans for eligible cardholders.
• Payment and servicing of your installment plan is through your credit card issuing bank. Please reach out to your credit card issuing bank or review the updated terms and conditions for your card for more information.

When is my monthly installment payment due?

The installment monthly amount and due date will be part of your monthly statement for your credit card. Please reach out to your credit card issuing bank or review the updated card terms and conditions for more information.

When is my first installment payment amount due?

You will pay the first installment of the purchase price at the time you place the order. You will be notified on screen if the first payment is due at the time of the purchase. We also send you an order confirmation email that has information about your purchase and the installment payment amount due.

Can I pay off my installment balance early?

In the event that you pay more than the amount due, any excess amounts will go towards unbilled purchases and installment plans that are not yet due. You can find out more about how your credit card issuing bank applies your early payment by referring to your cardholder agreement. Please check with your credit card issuing bank’s Terms and Conditions regarding this.

Is there a penalty or fee for paying off your entire balance early?

Please check with your credit card issuing bank’s Terms and Conditions regarding this.

Can I re-schedule my installment payment?

Please check with your credit card issuing bank’s Terms and Conditions regarding this.

What happens if I miss my monthly installment payment or make a late payment?

Please check with your credit card issuing bank’s Terms and Conditions regarding this.

How does my scheduling of monthly installment payment work?

Payment and servicing of your installment plan is through your credit card issuing bank. The installment monthly amount and due date will be part of your monthly statement for your credit card. Please reach out to your card issuing bank or review the updated terms and conditions for more information.

Data Privacy

What information do we collect from you to offer Installments on your eligible Visa cards?

We collect your payment information such as your credit card info.

How is my information collected for installments?

For first time visitors to a web site, we collect your credit card information right after you accept the terms and conditions for checking your credit card’s eligibility and send this info to Visa. For returning visitors, your eligibility and credit card information is stored.

How is my information being used for purchases made with Installments offered on Visa credit cards?

We use your information to improve our services and provide personalized marketing and offers to you. We share your personal information with employees, affiliates, vendors, partners, merchant partners, marketing providers, and third parties as required to offer Visa Installments solution. You’re able to opt-out of marketing offers as mentioned in our privacy policy.

How is my information being protected?

Please refer to our website’s privacy policy on how your personal information is handled and what options you have regarding opting out.