Financing Options
Buy Now, Pay Later—built for flexibility
Split your purchase into easy payments at checkout. Choose the option that fits your budget—pay in 4, monthly financing, or lease-to-own. Application happens instantly during checkout.
Affirm 
American First Finance 
Acima 
Shop Pay Installments
Affirm Monthly financing
- Apply at checkout and choose the plan that fits your budget.
- Make fixed payments over time. Terms and eligibility appear at checkout.
- Subject to approval by the financing provider.
How it works
1) Add to cart and continue to checkout.
2) Select Affirm and complete a quick application.
3) Get a decision and confirm your plan.
4) We ship your order; you pay over time.
Learn about Affirm →American First Finance Lease-to-own
- Lease-to-own solution with a simple application process.
- Manageable payments with options to purchase early.
- Subject to approval; terms shown during application.
How it works
1) Apply here: American First Finance application →
2) After approval, contact us at info@icebyak.com or via Live Chat with: name, approved amount, items, shipping address.
3) We’ll submit the order & ship within 1–2 business days.
Acima Lease-to-own
- Lease-to-own option with a fast approval process.
- Convenient payments; early purchase options may be available.
- Subject to approval; terms provided during application.
How it works
1) Add to cart and continue to checkout.
2) Select Acima and complete a quick application.
3) Get a decision and confirm your plan.
4) We ship your order; you pay over time.
Shop Pay Installments Pay-in-4 & monthly
- Split into 4 interest-free payments or select a monthly plan (where available).
- Available to eligible customers at checkout via Shop Pay.
- Terms are presented before you confirm.
How it works
1) Add to cart and continue to checkout.
2) Select Shop Pay Installments at payment step.
3) Confirm your plan and complete checkout.
About Shop Pay Installments →Availability depends on your location, purchase amount, and eligibility. Not all options are offered in all states or for all carts.
Frequently asked questions
Will applying affect my credit score?
Application processes and credit checks vary by provider and plan. Any credit inquiry info is provided by the financing provider during checkout or on their site. Review the terms before you agree.
Can I return or exchange items purchased with financing?
Eligible returns follow our store policy. Once we process a refund, your provider updates your balance or schedule per their terms. For exact details, refer to the provider’s policy and your agreement.
What are the interest and fees?
Some plans are interest-free; others may include interest or fees depending on eligibility and provider terms. All costs are shown by the provider before you accept the plan.
Which option should I choose?
Affirm offers fixed monthly financing, Shop Pay Installments offers pay-in-4 and monthly options (where available), and American First Finance & Acima offer lease-to-own. Compare the terms shown at checkout/application.