Financing at Top Shelf Aquatics

Pay Over Time

Big upgrades are easier when you can spread out the cost. Top Shelf Aquatics offers four ways to pay over time: Affirm, Shop Pay Installments, Klarna, and PayPal Pay Later. Choose your provider at checkout, review your plan before you confirm, and split your order into smaller payments.

Compare options Shop aquariums

Rates from 0% APR
Choose at checkout
No penalty for paying early

Choose your provider

Four ways to pay over time

Pick the provider you already use, or the plan that fits your budget. Every option is selected at checkout.

Monthly plans for big upgradesA good fit for aquariums, lighting, and controllers.See how it works
Built into Shop PaySplit your order without leaving Shop Pay checkout.See how it works
Smaller payments with KlarnaPayments are collected automatically on a set schedule.See how it works
Pay later with PayPalUse the PayPal account you already have.See how it works

Affirm

Buying with Affirm is simple

Payment options through Affirm are subject to an eligibility check and are provided by these lending partners. Options depend on your purchase amount, and a down payment may be required.

How Affirm works

Fill your cart
Shop corals, fish, equipment, or a complete aquarium system. At checkout, select Affirm and enter a few pieces of information for a real-time decision.
Choose how you pay
Pick the monthly payment plan that works best for you. Your rate and terms are shown before you confirm, and you’ll never pay more than you agree to up front.
Pay over time
Make or schedule payments at affirm.com or in the Affirm app. Affirm sends email and text reminders before each payment is due.

Shop Pay Installments

Split it right inside Shop Pay

Already check out with Shop Pay? Installments are built in. Choose to pay in full or split your order into smaller payments, with no hidden or late fees.

4 interest-free paymentsPay every 2 weeks on orders from $50 to $999.99.
Monthly plans for bigger buildsSpread a larger order over monthly payments, with rates from 0–36% APR based on eligibility.
No late or hidden feesTrack your plan and make payments anytime in the Shop app.

Heads up: the Shop Pay screen only offers Shop Pay Installments. To pay with Affirm, Klarna, or PayPal instead, select Check out as guest to see every payment option.

Learn about Shop Pay Installments

Example $400 order0% APR

$100 × 4 payments

$100 Today
$100 Week 2
$100 Week 4
$100 Week 6

Example only. Your exact plan is shown before you confirm.

Orders from $35 to $50 can be split into 2 interest-free payments. Larger orders may qualify for monthly plans.

Payment options through Shop Pay Installments are subject to an eligibility check and are provided by these lending partners. Options depend on your purchase amount, and a down payment may be required. 4 interest-free payments are available on orders from $50 to $999.99. Monthly plans may include interest from 0–36% APR. CA residents: Loans by Affirm Loan Services, LLC are made or arranged pursuant to a California Finance Lender license.

Klarna

Pay in 4 with Klarna

Choose Klarna at checkout and split your order into 4 interest-free payments. Nothing is due until your order ships.

Nothing due until it shipsYour first payment is collected when we ship your order.
Automatic every 2 weeksThe rest are charged on schedule, with reminders from Klarna along the way.
No interest when you pay on timeKlarna uses a soft credit check, which won’t affect your credit score.

Learn about Klarna Pay in 4

Example $400 order0% interest

$100 × 4 payments

$100 When it ships
$100 Week 2
$100 Week 4
$100 Week 6

Example only. Your payment schedule is shown at checkout.

Depending on your order, Klarna may also offer Pay in 30 days or monthly financing at checkout.

See payment terms. A higher initial payment may be required for some consumers. Klarna Pay in 4 is subject to approval and isn’t available in Hawaii, U.S. territories (excluding Puerto Rico), or for APO/FPO/DPO addresses. Late fees may apply. Monthly financing through Klarna issued by WebBank. Other CA resident loans made or arranged pursuant to a California Financing Law license. NMLS #1353190.

PayPal Pay Later

Pay later with PayPal

Check out with PayPal and choose Pay Later. Split your purchase into 4 interest-free payments, or take more time with Pay Monthly.

Pay in 44 interest-free payments every 2 weeks on purchases from $10 to $2,000, with no late fees.
Pay MonthlySpread purchases from $49 to $10,000 over 3, 6, 12, or 24 monthly payments.
Right from your PayPal accountSelect PayPal in your cart or at checkout, then manage payments in the PayPal app.

Learn about PayPal Pay Later

Example $400 purchasePay in 4

$100 × 4 payments

$100 Today
$100 Week 2
$100 Week 4
$100 Week 6

Example only. PayPal shows your plan before you confirm.

Pay in 4 is available to consumers upon approval for purchases of $10 to $2,000 and is currently not available to residents of MO. A soft credit check may be needed, but won’t affect your credit score. You must be 18 or older to apply. The lender for Pay in 4 is PayPal, Inc. (NMLS #910457). Loans to CA residents are made or arranged pursuant to a CA Financing Law License. RI Small Loan Lender Licensee. Pay Monthly is a consumer loan subject to credit approval and eligibility. Fixed APR is 0–35.99%; terms and rates vary based on purchase amount and your credit. Pay Monthly is currently not available to residents of AK, CT, HI, or WA. The lender for Pay Monthly is WebBank.

At checkout

Good to know

Checking out with Shop Pay?

The Shop Pay screen only offers Shop Pay Installments. To pay with Affirm, Klarna, or PayPal, select Check out as guest to see every payment option, or use the PayPal button in your cart.