Shop Pay Installments

Pay Over Time with Shop Pay Installments. Shop Pay Installments (powered by Affirm) lets eligible customers split their greenhouse purchase into smaller, manageable payments.

Available options include:

• 4 interest-free payments every 2 weeks (on many orders)
• Monthly payment plans ranging from 3 to 24 months (interest may apply depending on the plan and your credit profile)

Key benefits:

• Soft credit check that won’t affect your credit score when checking eligibility
• Transparent terms shown clearly at checkout — no surprises
• Pay off early anytime with no prepayment penalties
• You get your greenhouse right away while paying over time

Eligible orders typically range from $35 to $30,000. Exact payment options and rates are personalized and shown during checkout based on your order total and eligibility.

Shop Pay

Faster Checkout with Shop Pay. Already have a Shop Pay account? Use Shop Pay for a faster, more secure checkout experience. Your information is saved so you can complete your order in just a few clicks — whether you choose to pay in full or with installments.

Credit Cards

Pay with Visa, Mastercard, or Discover. We also accept major credit cards for full payment at checkout. Simply select your preferred card during the payment step.

How It Works (Shop Pay Installments)

1. Add your greenhouse to your cart
2. Proceed to checkout and select Shop Pay
3. Choose Pay in Installments (if available for your order)
4. Review your personalized payment options and complete your purchase

You’ll see your payment schedule, interest rate (if applicable), and total cost before you confirm.

Who Qualifies for Shop Pay Installments?

Shop Pay Installments is available to customers in the United States who meet eligibility requirements. You’ll need:

• A billing address in a supported country
• A supported debit or credit card
• To be at least 18 years old (19 in some regions)

Eligibility is checked instantly at checkout. Approval is not guaranteed and depends on your individual profile and order amount.

Important Notes

• Monthly installment plans may include interest (rates typically range from 0–36% APR based on creditworthiness and plan length).
• Some larger orders may require a down payment.
• Full terms, payment schedule, and any applicable interest are clearly displayed before you complete your purchase.
• Backyard Living Source, Inc. is not a lender. Financing is provided through Shop Pay Installments (Affirm).

Frequently Asked Questions

What payment methods do you accept? We accept Shop Pay, Shop Pay Installments, Visa, Mastercard, and Discover.

Is there interest on Shop Pay Installments? Some plans are interest-free (like the 4 bi-weekly payments). Longer monthly plans may include interest depending on the terms offered to you at checkout.

Will checking my eligibility affect my credit score? No. The initial eligibility check is a soft inquiry and does not impact your credit score.

Can I pay off my balance early? Yes. You can pay off your remaining balance at any time with no prepayment penalties.