Financing

Heartland Greenhouse and Garden Supply is pleased to offer our customers a safe, secure and simple way to Buy Now, Pay over Time!

About Shop Pay Installments

  • Shop Pay offers you the option to pay in full at checkout, or to split your purchase into regular payments!
  • Installment options vary by store and can be used on orders over $50 USD, including discounts, shipping, and taxes.
  • For purchases split into 4 bi-weekly payments, there are no additional charges or interest rates applied. Purchases split into monthly payments may be subject to interest.
  • You can pay your balance off early without penalty.
  • There are no late fees. However, partial or late payments may affect your ability to use Shop Pay Installments in the future.
  • Your credit scores aren't impacted if your purchase is split into 4 bi-weekly payments using Shop Pay Installments. If your purchase is split into monthly payments, then your payments may be reported to a credit bureau. 
  • To use Shop Pay Installments, your shipping address needs to be in the United States.  
  • Rates from 0%-36% APR. Payment options through Shop Pay Installments are subject to an eligibility check and are provided by these lending partners: affirm.com/lenders. Options depend on your purchase amount, and a down payment may be required. State notices to consumers https://www.affirm.com/licenses.