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Payment Plans

Cosmic Cuts Payment Plans

Option 1 Payment Plan

Buy now, pay later with Shop Pay!

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When you choose Shop Pay at checkout, you can split your purchase into 4 equal, 0% interest installment payments - with no additional, hidden, or late fees.*

Quick approval, easy payments, no hidden fees.

*Payment options are offered by Affirm and are subject to eligibility check and might not be available in all states. California residents: Affirm Loan Services, LLC is licensed by the Department of Business Oversight. Loans are made or arranged pursuant to California Financing Law license.

How it Works

  1. Add items to your cart.
  2. Check out with Shop Pay.
  3. Choose to pay in 4 installments.
Your first payment is either due at checkout or 2 weeks after your purchase. The next 3 remaining installments are automatically charged to your credit card every 2 weeks. Don't worry, you'll get an email reminder before each payment to remind you.

Are there late fees?

No, there are no late fees if you miss a scheduled payment.

What if I make a return on a purchase made through Installments with Shop Pay?

If your refund amount is less than the amount remaining on your Shop Pay Installments balance, then you can expect one or both of the following:

  • A smaller payment balance on the final payment.
  • Less future payments on the remaining loan balance.

If your refund amount is more than the amount remaining on your Shop Pay Installments balance, then you can expect to receive the difference as a refund to your original debit card or credit card payment method within 3 to 10 business days.

    Which payment methods are accepted if I use the option to pay Installments on Shop Pay?

    The installments option on Shop Pay is available on debit and credit cards.

    Have more questions?

    For questions about installment payments on Shop Pay, visit

    For questions about Shop Pay or the Shop App, visit

    Option 2 Layaway

    How it Works

    Just contact us with the item(s) you are interested in (you can call us, email us, or fill out our contact form). We'll send you an invoice for a 25% minimum downpayment and then you can choose how many additional monthly payments you would like to make (over a maximum of 6 months) to complete the purchase.

    We'll send you an invoice for each monthly payment, and when we receive the payment in full, we'll ship your item(s) to you. 

    APR - 0% (you pay no interest, but we don't ship your product(s) until you have paid in full). 

    Duration - You choose (6 months max)

    In this option, your payments will be made to Cosmic Cuts directly and we take every precaution to ensure your information is safe and secure with us. You can learn more on our Privacy Policy page. We use Paypal for our Layaway purchases, and their Privacy Policy can be found here


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