Buy Now, Pay Later

During checkout, you will fill out the short credit applications. Within minutes, you will know if you are approved or denied. If denied, there is nothing Hatching Time can do as verification is performed by a 3rd party.

Shop Pay only performs "soft credit pulls" for most plans. This type of credit check will not have a direct impact on your credit score.

Depending on your purchase amount, these are the ways that you can pay for your order in installments. 

• Two biweekly, interest-free payments, for orders from $35 to $50 USD.
• Four biweekly, interest-free payments, for orders from $50 to $999.99 USD.

There are no additional charges, interest rates, or late fees for this option, and your credit score isn't affected.

• Monthly payments for orders from $150 to $30,000 USD. Monthly installment orders are interest-bearing from 0 to 36% APR where available and subject to federal, state, and provincial regulatory limitations. Orders paid for in monthly installments can be paid in 3, 6, 12, 18, or 24 months depending on the purchase amount.
• If an order exceeds $20,000 USD, then the customer pays a down payment for the remaining balance upfront. For example, if the order total is $25,000 USD, then the customer pays $5,000 USD upfront, and the remaining $20,000 USD is split into equal, interest-bearing, monthly payments.

After you make your first payment at checkout, you'll be charged either biweekly or monthly, depending on the installment payment option you chose. You'll be reminded by email and SMS text (if applicable) before each payment is charged to your card.