Can I pay in installments?

Yes, many refurbishers offer installment payment options. When you select a product on RefurbMe and click through to the seller's website, you can check the available payment methods at checkout. Installments let you spread the cost of a refurbished iPhone, MacBook, or iPad over several weeks or months, often with zero interest.

Common installment providers

Different sellers support different buy now, pay later (BNPL) services:

• Affirm: Fixed monthly payments over 3, 6, or 12 months. Available at select US sellers including Back Market and Gazelle. Some plans carry interest; shorter terms are often 0% APR.
• Klarna: "Pay in 4" splits your purchase into 4 interest-free payments every two weeks. Monthly financing is also available. Supported in the US, UK, and parts of Europe.
• Afterpay (Clearpay in the UK): 4 interest-free biweekly payments. Available at some US and UK sellers.
• PayPal Pay Later: "Pay in 4" or monthly plans, available wherever PayPal is accepted at checkout. No additional sign-up required if you already have a PayPal account.
• Apple Card Monthly Installments: Available only on the Apple Refurbished Store for US customers with an Apple Card.

You can compare installment payment options across refurbishers on RefurbMe to see which sellers support which providers.

Which refurbishers offer installments?

Not every seller provides BNPL checkout. Here is a quick overview:

• Apple Refurbished Store: Apple Card Monthly Installments (US) and PayPal Pay Later.
• Back Market: Affirm, Klarna, and Afterpay depending on your market.
• Amazon Renewed: Amazon monthly payment plans for eligible items, plus PayPal on some listings.
• Gazelle: Affirm financing at checkout.

For a detailed guide on BNPL options by seller, see our article on using buy now, pay later for refurbished products.

How it works

When you reach the seller's checkout page, select your preferred payment method. A soft credit check may be required, but it will not affect your credit score. Most BNPL services offer interest-free plans if you pay on time. Late payments may incur fees depending on the provider, so always review the terms before confirming.

Other ways to save

If installments are not available for your chosen seller, you can still lower the total cost by setting price alerts or choosing a lower condition grade.

RefurbMe does not collect your payment information. All transactions happen directly on the seller's website.