Financing & Payment Options
Get the shop or garage of your dreams now. Pay over time with 0% APR.
💳 Shop Pay Installments — 0% APR
Every product on InnovDepot is eligible for Shop Pay Installments, powered by Affirm. Split your purchase into 4 interest-free payments or choose monthly financing up to 12 months.
4
Interest-Free Payments
Pay 25% now, then 3 more biweekly payments. No interest, no fees.
0%
APR Financing
Monthly payments for 3, 6, or 12 months. Zero interest on qualifying orders.
$0
Hidden Fees
No late fees, no prepayment penalties. Pay off early anytime with no extra charges.
How It Works
🛒
1. Shop & Add to Cart
Browse our catalog and add products to your cart like normal.
💳
2. Choose Shop Pay
At checkout, select Shop Pay Installments as your payment method.
✅
3. Instant Decision
Get approved in seconds with a soft credit check. No impact on your score.
📦
4. Get Your Order
Your order ships immediately. Payments are spread out over time.
📈 Payment Example
Here's what financing looks like on a $4,399 Thor shop 48" Gas Range:
| Plan | Monthly Payment | Interest | Total Cost |
|---|---|---|---|
| 4 biweekly payments | $1,099.75 | $0 | $4,399 |
| 3 monthly payments | $1,466.33 | $0 | $4,399 |
| 6 monthly payments | $733.17 | $0 | $4,399 |
| 12 monthly payments | $366.58 | $0 | $4,399 |
* Actual terms depend on your approval. Example shown at 0% APR. Some orders may qualify for extended terms at low APR rates.
Frequently Asked Questions
Does financing affect my credit score?
The initial check is a soft inquiry, which does not affect your credit score. If approved and you proceed, a hard inquiry may be performed.
Is there a minimum or maximum order amount?
Shop Pay Installments are available on orders between $50 and $17,500. For orders above $17,500, contact us for custom financing arrangements.
Can I pay off early?
Yes. There are no prepayment penalties. You can pay off your balance at any time through the Shop app or Affirm dashboard.
What if I need to return an item?
If you return a financed item, we process the refund to your Shop Pay Installments account. Your remaining payments will be adjusted accordingly.
Do I need a Shop Pay account?
No existing account needed. You can sign up during checkout with just your email and phone number.
Other Payment Methods
We also accept all major credit cards (Visa, Mastercard, Amex, Discover), PayPal, Apple Pay, Google Pay, and bank transfers. For orders over $10,000, wire transfer is available — contact us for details.
Ready to Shop?
Browse our catalog and see your personalized payment options at checkout.