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 during checkout (or on the provider’s site).
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 the application.
3) Review the terms shown and confirm your plan.
4) We ship your order; you pay over time.
Learn about Affirm →American First Finance Pay over time
- Get it now. Pay over time. All Credit Welcome!
- Approvals from $300 - $5,000
- Fast & Easy Application
- Early Savings Options
How it works
1) Apply here: American First Finance application →
2) Review your approval amount and available options.
3) Contact us at info@icebyak.com or via Live Chat with: name, approved amount, items, shipping address.
4) We’ll submit the order & ship within 1–2 business days.
Acima Lease-to-own
- Lease-to-own option with a fast application 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 the application.
3) Review the terms shown and confirm your agreement.
4) We ship your order; you pay over time.
Shop Pay Installments Pay-in-4 & monthly
- Split into 4 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) Review the terms shown 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 information 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 may be offered with no interest depending on eligibility and provider terms; other plans may include interest or fees. All costs are shown by the provider before you accept the plan.
Which option should I choose?
Affirm offers 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 during checkout or application.
Affirm Lending Disclosure
Rates from 0–36% APR. Payment options through Affirm 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. CA residents: Loans by Affirm Loan Services, LLC are made or arranged pursuant to a California Financing Law license. For licenses and disclosures, see affirm.com/licenses. For example, an $800 purchase could be split into 12 monthly payments of $72.21 at 15% APR. Available term lengths are 3, 6, 12, or 24 months. See affirm.com/disclosures for full terms.
