Recovery Equipment Financing

Financing runs through Shop Pay Installments, powered by Affirm, built directly into checkout. At the payment step, select Shop Pay — you’ll see your personalized options instantly, including term lengths and exact monthly amounts. Pick the term that works, confirm, and your order ships immediately. No separate application, no bank visit, no paperwork. Your product warranty is completely independent of your financing choice.

Yes, in many cases. Affirm considers your full financial profile, not just your credit score. Buyers with lower scores may qualify for shorter terms (3–6 months) or at a higher APR. If you’re not approved for a monthly plan, Shop Pay’s Pay-in-4 option — available on orders under $1,000 — has its own eligibility determination by Affirm at checkout. Call us at (888) 500-5675 before applying if you’d like guidance.

Affirm doesn’t publish a minimum credit score. Affirm uses holistic underwriting — your income, existing debt load, repayment history, and the purchase amount all factor into the decision. The only reliable way to know is to check at checkout: it’s a soft pull that won’t affect your score.

Checking your rate does not affect your credit score — Affirm uses a soft inquiry for the eligibility check. Affirm states that its application credit check won’t impact your credit score. If you buy with Affirm, the loan and your payment history may affect your credit: Affirm reports pay-over-time loans — including Pay in 4 and monthly installments — to Experian and TransUnion. On-time payments may help build your credit history over time.

Potentially yes, with proper documentation. Certain recovery equipment may qualify as an HSA/FSA-eligible expense when accompanied by a Letter of Medical Necessity (LMN) from a licensed healthcare provider documenting that the equipment is medically indicated for your condition. Eligibility varies by plan administrator. LMN approvals are typically not retroactive after purchase — confirm with your administrator before ordering. Call us at (888) 500-5675 for guidance.

At 0% APR as a reference point: $12,000 over 24 months is $500/month. $2,400 over 12 months is $200/month. $4,800 over 12 months is $400/month. Your exact payment is shown at checkout before you confirm — no commitment required to check your rate.

Yes — there is no prepayment penalty on any Shop Pay Installments plan. If you’re on an interest-bearing plan, paying early stops interest from accruing on the remaining months. Log in to your Shop Pay or Affirm account at any time to make an early payment or pay the full remaining balance.

Yes — when Affirm approves you at 0% APR, zero interest accrues. This is true simple interest, fundamentally different from deferred interest. At 0% APR, your total cost equals the purchase price. No late fees, no prepayment penalties, no deadline traps.

If you change your mind, you may return your order subject to the return terms for that brand, which vary and may include a restocking fee. Your refund is applied to reduce your outstanding Affirm loan balance. If the refund is less than your remaining balance, you remain responsible for the difference. Call us at (888) 500-5675 before initiating any return on a financed order.

Yes — through our partner APPROVE, an equipment financing platform for U.S.-based businesses and organizations, including corporations, partnerships, LLCs, sole proprietorships, and non-profits. Financing starts at $1,500 with no set maximum, on terms from 12 to 60 months. It works in three steps: a 60-second online application, APPROVE matches your business with best-fit lenders in its network — you may receive competing offers to compare — and you choose the terms that fit. You’ll also see the APPROVE option directly on qualifying product pages and in your cart.

Yes. Shop Pay Installments covers personal orders up to $30,000, with any amount above $20,000 due as a down payment at checkout. Business purchases of any size from $1,500 up — including projects beyond Shop Pay’s ceiling — can be financed through APPROVE, whose lender network has no set maximum and can offer competitive rates on equipment values well beyond our largest packages.

Typically no — applying through APPROVE does not impact your personal credit unless a lender requires a personal guarantee. Where a personal guarantee applies, some lenders may run a credit inquiry; because those inquiries happen in a short window for the same purpose, credit bureaus generally treat them as a single inquiry. Business financing also helps keep equipment debt off your personal credit profile.