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 
Shop Pay Installments 
American First Finance
Affirm Monthly financing
- Apply at checkout and choose the plan that fits your budget.
- Make fixed payments over time. Loan terms and eligibility are shown during checkout.
- Subject to approval by the financing provider.
How It Works:
1) Add to cart Choose your piece and proceed to checkout.
2) Select a provider at checkout : Pick Affirm
3) Get a decision Complete the quick application. Terms are shown before you agree.
4) Enjoy now We’ll ship your order; you make payments over time.
Learn about Affirm →Shop Pay Installments Pay-in-4 & monthly
- Split your purchase into 4 interest-free payments or select a monthly plan (when available).
- Available to eligible customers at checkout via Shop Pay.
- Terms are presented before you confirm.
How It Works:
1) Add to cart Choose your piece and proceed to checkout.
2) Select a Shop Pay Installments at checkout
3) Enjoy now We’ll ship your order; you make payments over time.
About Shop Pay Installments →American First Finance Lease-to-own
- Lease-to-own solution with a simple application process.
- Make manageable payments with options to purchase early.
- Subject to approval; terms provided during application.
How it Works:
1) Click this link and apply: https://americanfirstfinance.
2) Once you have applied and have been approved for an amount, contact us via chat or email (info@icebyak.com)and provide the following: Name, Approved $ amount, Items you would like to purchase, Shipping Address
3) We will submit the order & ship out your items within 1-2 business days.
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 information is provided by the financing provider during checkout or on their site. Review the terms carefully before you agree.
Can I return or exchange items purchased with financing?
Eligible returns follow our store return policy. Once we process a refund, your financing provider updates your balance or schedule per their terms. For exact details, refer to the provider’s policy and your loan/lease agreement.
What are the interest and fees?
Some plans are interest-free, others may include interest or fees depending on your eligibility and the provider’s terms. All costs are displayed by the provider before you accept the plan.
Which option should I choose?
Choose the plan that fits your budget and timeline. Affirm typically offers fixed monthly financing, Shop Pay Installments offers pay-in-4 and monthly options (when available), and American First Finance offers a lease-to-own solution. Compare the terms shown at checkout.