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, there are two ways that you can pay for your order in installments. 

• For orders between 50 USD to 999.99 USD, you can split your purchase into four bi-weekly, interest-free installment payments. There are no additional charges, interest rates, or late fees for this option, and your credit score isn't affected.

• For orders between 150 USD to 20,000 USD, you can split your purchase into monthly installment payments. While there are no late fees for monthly installment payments, your order is subject to interest fees. Your credit score isn't affected when you apply, but it can change if you don't make your payments on time.

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.