Harvest Right Freeze Dryer Financing

PayPal Pay Later is a financing option offered by PayPal that allows you to split your purchase into payments over time. There are two monthly payment options: Pay in 4 and Pay Monthly.

Pay in 4 allows you to split purchases between $30 and $1500 into four interest-free, bi-weekly payments with no late fees.

Pay Monthly offers financing for purchases between $199 and $10,000 with fixed interest rates and repayment terms of 6, 12, or 24 months. There is no down payment required for either option, and there are no sign-up fees.

PayPal Pay in 4 and Pay Monthly are both financing options, but they differ in purchase amounts, repayment terms, and interest rates. Pay in 4 is best for smaller purchases ($30-$1500) as it splits the cost into four interest-free payments made every two weeks. Pay Monthly caters to larger purchases ($199-$10,000) and offers longer repayment terms of 6, 12, or 24 months with a fixed interest rate based on your creditworthiness. Neither option charges late fees and both require a soft credit check that doesn't impact your credit score.

When you choose PayPal Pay Later at checkout, you'll be prompted to log in to your PayPal account or create a new one. You'll then see the amount of your first payment and the due date for your remaining payments. Once you confirm your purchase, your order will be shipped and you can make your payments according to the schedule.

You can check out our step-by-step guide here.

No, there are no fees associated with using PayPal Pay Later as long as you make your payments on time. However, there may be late fees if you miss a payment.

Pay in 4: Afterpay allows you to shop now and pay later, always interest-free. With Afterpay, your purchase will be split into 4 payments, payable every 2 weeks.

Pay Monthly: Afterpay's monthly payment feature is designed as an installment loan, offering you increased flexibility when it comes to making payments for larger purchases. Once your application is approved, you may be eligible for a choice between a 6-month or 12-month repayment plan with interest. This alternative enables you to distribute your payments evenly on a monthly basis, particularly for items exceeding $400 in value, up to a maximum of $4,000.

At any time, you can log in to your Afterpay account to see your payment schedule and make a payment before the due date. Otherwise Afterpay will automatically take the money from your debit or credit card on your payment due dates. 

Please Note: Afterpay does not approve 100% of orders. Afterpay is committed to ensuring Afterpay supports responsible spending.

When determining which orders to approve, Afterpay considers a number of different factors. As an example, the longer you have been a shopper using Afterpay and the more orders you have successfully repaid, the more likely you will be able to spend more.

Afterpay is a free service when you pay on time - there are no upfront fees charged or any interest incurred.

The only fees that may be incurred are late fees if your scheduled payments are unsuccessfully processed and, after being notified, you do not log in to your Afterpay account to make your payment via a different method.

We do everything we can for you to avoid late fees, including sending reminders leading up to the payment due date.

Late fees for shoppers in the USA are capped at 25% of the order value

You will more than likely pay the first installment of the purchase price at the time you place the order. If you have been shopping with Afterpay for some time, and have a really good repayment history, you may find that Afterpay defers taking the first payment until 2 weeks (15 days for residents of California) after you make your purchase.

In all cases you will be notified on screen if the first payment is due at the time of the purchase. Afterpay sends you a confirmation email outlining the amounts and dates that the payments are due.

First payment higher than the other three?For some purchases, if your total order amount exceeds your Afterpay-approved spending limit the first payment may be higher than subsequent payments. Afterpay will show you how the installments are split before you pay.

PayTomorrow has designed a unique lease-to-loan financing product to help their customers obtain financing. This distinctive offering sets them apart and is unique to them. Initially, they purchase the product you want to finance from us, the merchant, and lease it to you. As your contract progresses, ownership transitions to you, effectively converting the financing into a loan. That's why you sign both a lease and a loan contract at the beginning of your financing. When you've completed all your lease and loan payments, your financing is finished, and the product is yours.

There are no penalty fees for settling your account ahead of schedule, unlike some other financing companies. You may also have the opportunity for an early buyout or be eligible for an early payoff estimate. To request an early payoff estimate, please don't hesitate to get in touch with our customer service department at 866-418-5857 or reach out to us via email at customerservice@paytomorrow.com.

PayTomorrow offers a distinctive lease-to-loan financing solution, which is the key to our appealing financing offers. Initially, your financing begins as a lease and later transforms into a loan. This explains why you've signed both a lease and a loan contract. Once you've successfully made all your lease and loan payments, your financing is concluded, and the product becomes your property.