Financing
Equip Your Spa.
Pay Over Time.
Invest in professional-grade equipment and skincare without the upfront commitment. Split your purchase into easy, interest-free installments at checkout.
How It Works
Three simple steps to flexible payments
Shop as Usual
Browse our full collection of professional spa equipment, skincare, and supplies. Add everything you need to your cart.
Choose Your Plan
At checkout, select Klarna, PayPal Pay Later, or Shop Pay Installments as your payment method.
Split & Pay
Complete your purchase and pay in easy installments. Your order ships right away — no waiting required.
Payment Providers
Choose the option that works best for you
Klarna — Pay in 4
Split your purchase into 4 interest-free payments, made every two weeks. No hard credit check, instant approval at checkout. Available on orders of all sizes.
PayPal — Pay Later
Pay in 4 interest-free installments or choose monthly payments for larger purchases. Use your existing PayPal account for a seamless, familiar checkout experience.
Shop Pay — Installments
Split purchases into 4 bi-weekly payments or choose monthly installments for larger orders. Powered by Shopify for a fast, secure checkout with order tracking built in.
0% Interest
Pay the same total price — just split over time
Instant Decisions
Know in seconds if you're approved at checkout
No Hidden Fees
Transparent terms with no surprise charges
Ships Immediately
Your order ships as soon as you complete checkout
Frequently Asked Questions
Everything you need to know about financing at SkinAct
Does using financing affect my credit score?
Pay-in-4 options from Klarna, PayPal, and Shop Pay typically only require a soft credit check, which does not affect your credit score. Monthly payment plans for larger purchases may involve a standard credit check depending on the provider.
Is there a minimum or maximum order amount?
Minimums and maximums vary by provider. Generally, pay-in-4 options are available on orders between $10–$1,500, while monthly payment plans may cover orders up to $10,000 or more. Exact limits are displayed at checkout based on the provider you choose.
Can I return an item purchased with financing?
Yes. SkinAct's standard 60-day return policy applies to all orders, regardless of payment method. Once your return is processed, the remaining installments will be adjusted or cancelled automatically by the payment provider.
What happens if I miss a payment?
Policies vary by provider. Late fees may apply depending on the payment plan and provider's terms. We recommend reviewing the specific terms at checkout and setting up automatic payments to avoid any issues.
Can I use financing with discount codes or promotions?
Absolutely. All active promotions, discount codes, and sale prices apply to your order total before it's split into installments. You get the best price and the flexibility to pay over time.
Do I need to create an account with the payment provider?
Klarna and Shop Pay allow quick sign-up at checkout with just your email and phone number. PayPal Pay Later requires an existing PayPal account. Setup is fast and typically takes under a minute.
Ready to Get Started?
Browse our collection and select your preferred payment option at checkout. No applications, no paperwork.
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