PAYMENT PLANS
FLEXIBLE FINANCING TO UPGRADE YOUR RIDE
At Springrates, we make it easy to invest in your car's performance. Choose from two convenient payment options—Shop Pay Installments or Affirm—and get the suspension upgrades you need today.
Affirm
With Affirm, finance your car parts with selectable term options and rates as low as 0% APR! Affirm lets you break your purchase into small, 0-15% APR monthly payments and finance your parts over the course of 3, 6, or 12 months. Affirm has quickly become the trusted name in the automotive industry for financing your aftermarket parts.
- As low as 0% APR
- Selectable Term Options
- Streamline Checkout Process
Shop Pay Installments
Shop Pay gives you the option to pay in full at checkout, or to pay for your order over time. When available, Shop Pay Installments is a great option to help you maximize your budget.
- Four, biweekly, interest-free payments, for orders from 50 USD to 999.99 USD.
- Monthly payments for orders from $150 to $20,000 USD. Monthly installment orders are interest-bearing from 0-36% APR., and may be paid in three, six, or twelve months depending on purchase amount.
Compare Financing Options
| Feature | Shop Pay Installments | Affirm |
|---|---|---|
| Payment Structure | 4 interest-free payments, every two weeks | Monthly payments with terms from 3, 6, 12, or 36 months |
| Interest | 0% APR | Interest rates may apply (0% to 36% APR) |
| Approval Process | Quick and easy approval at checkout | Instant decision, credit check may apply |
| Best For | Smaller purchases, quick repayment | Larger purchases, extended repayment options |
Frequently Asked Questions
Can I pay off my balance early with Shop Pay or Affirm?
Yes, both Shop Pay Installments and Affirm allow you to pay off your balance early without any penalties.
Do I need a credit check to use Shop Pay Installments or Affirm?
Shop Pay Installments does not require a hard credit check, while Affirm may perform a soft credit check to determine your eligibility.
Are there any late fees?
Shop Pay Installments has no late fees, while Affirm charges no late fees but missing payments can affect your credit score.