Financing

Split the cost into monthly payments and get the machine now. Quick decision at checkout, no impact on your credit score to check your options.

DecisionInstantat checkout
Terms3–36 monthsdepending on amount and lender
Rates0% APR offerson select items and terms

1How it works

  1. Add your equipment to the cart and go to checkout.
  2. Choose Pay over time as the payment method.
  3. Enter a few details — the lender gives an instant decision. Checking eligibility is a soft inquiry and does not affect your credit score.
  4. Pick the plan that fits your budget, confirm, and we ship as normal.

2Payment example

A $3,000 purchase at 0% APR over 12 months is 12 payments of $250. The same purchase at 15% APR over 24 months is 24 payments of about $145.44, total interest about $490. Your actual rate and term are shown before you commit and depend on the lender’s assessment.

3Estimate your payment

Estimated monthly payment—Estimate only, not a loan offer. Your actual rate and term come from the lender at checkout.

4Who can apply

  • 18 years or older, US resident, with a US mobile number and a bank account or debit card.
  • Both individuals and businesses may apply; business financing (net terms, equipment leases) is also available for orders over $5,000 — contact us for a quote.

5Financing questions

Does checking my options affect my credit?

No. The eligibility check is a soft inquiry. A hard inquiry may occur only if you accept a loan.

Can I pay it off early?

Yes, with no prepayment penalty on any plan we offer.

What happens if I return the item?

The refund is sent to the lender, who cancels or adjusts your plan. Interest already charged by the lender is not refundable.

Who is the lender?

Financing is provided by third-party lenders through our checkout partner. The lender’s name, terms and disclosures are shown before you sign. Katool Gear is not a lender.