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Flexible Payment Options

Tivaro · Pay over time

More ways to plan your purchase.

Explore how Affirm, Klarna, and Afterpay work, from short-term installments to monthly financing. If a provider is available for your Tivaro order, you can review its offer at checkout before deciding.

For U.S. shoppers. Availability, approval, payment schedules, and costs vary by provider and order. This guide is not a financing offer.

Get to know your payment options

These are the providers' general plan types. Only the options shown during your checkout are available for that purchase.

Affirm

Pay in 4 or monthly payments

  • Eligible purchases may qualify for four payments every two weeks or a monthly payment plan.
  • Affirm Pay in 4 is 0% APR. Other plans may charge interest; the APR and total cost appear before you accept.
  • A down payment may be required. Available plans depend on the purchase and eligibility.
Explore Affirm's plans ↗

Klarna

Pay in 4 or Pay over time

  • Pay in 4 generally splits an eligible purchase into four payments, with payments every two weeks.
  • Pay in 4 is interest-free; late fees or fees for certain payment products can apply.
  • Pay over time may offer monthly financing. Interest and terms depend on the offer presented to you.
Explore Klarna's plans ↗

Afterpay

Pay in 4 or Pay Monthly

  • Pay in 4 generally starts with a payment at purchase, followed by three payments over six weeks.
  • Partner-brand Pay in 4 is described as interest-free. Late fees and finance fees on certain transactions may apply.
  • Pay Monthly is a separate financing product and may carry interest, where offered and approved.
Explore Afterpay's plans ↗

A provider offering a plan generally does not mean Tivaro offers that plan for every order. Check the payment screen for your actual options.

Pay in 4 and monthly financing: what's different?

Shorter repayment schedule

Pay in 4 usually divides a purchase into four installments over about six weeks. Check the amount due today and each upcoming payment date, along with any fees.

Payments over more months

Monthly financing spreads payments over the term you are offered. A smaller monthly payment does not necessarily mean a lower total cost: compare the APR, interest, fees, and total repayment amount.

How to pay over time at Tivaro

Review the complete payment agreement before confirming your purchase.

  1. Choose your Tivaro product

    Add your item to the cart and continue to checkout. Confirm your shipping details and final order total.

  2. Select an available provider

    At the payment step, select Affirm, Klarna, or Afterpay if it is shown. Sign in or follow the provider's prompts to apply.

  3. Review your personal offer

    Check the amount due now, payment dates, APR, fees, and total repayment amount. Choose a plan only if it fits your budget, then complete checkout.

  4. Manage payments with your provider

    Use the provider's app or account to see your schedule, check payment status, and manage supported payment settings. Keep your contact and payment details up to date.

Flexible payment FAQs

Are all plans interest-free?

No. Some Pay in 4 plans are interest-free, while monthly financing may include interest. Late fees or other fees can apply depending on the provider and payment product. A 0% offer applies only when it is expressly included in your approved checkout terms.

Who can use these services?

Each provider sets its own age, residency, identity, payment-method, and eligibility requirements. Approval and spending limits are determined by the provider, and a previous approval does not guarantee approval for another purchase. Tivaro cannot guarantee or override a decision.

Will applying or paying over time affect my credit?

Credit checks and credit reporting differ by provider and plan. Do not assume that checking eligibility, accepting a loan, and making payments are treated the same way. Review the provider's current credit-check and reporting disclosures before applying or accepting an offer.

Why don't I see my preferred provider at checkout?

Availability can depend on the order amount, location, payment setup, provider limits, and eligibility. If a service is not displayed, it is not available through that checkout for the order. You can select another payment method shown or contact Tivaro for checkout help.

Can I make extra payments or pay early?

Check your provider account for supported payment options and your agreement for early-payment terms. Your provider can confirm how an extra payment is applied and whether it changes future payments or interest.

What happens if I miss a payment?

Contact the provider as soon as possible. Missed payments can lead to fees, restrictions, or other consequences under your agreement. Manage your payment schedule and request any available assistance directly with Affirm, Klarna, or Afterpay.

How do returns, cancellations, and refunds work?

Start with Tivaro and follow our Return, Exchange and Refund Policy, including return authorization and any applicable deductions. The provider adjusts your financing balance after the refund is processed. Keep following your payment schedule unless the provider confirms a pause or change; returning an item does not automatically stop installments. Ask the provider how any paid interest or fees are handled.

Who should I contact for help?

For product questions, delivery, order changes, or return authorization, contact Tivaro. For approval, due dates, payment-method changes, or financing balances, use your payment provider's app or help center.