If you choose its “Pay in four” plan, you gained’t be within the hook for interest or charges — however, you’re locked into a decent repayment agenda, and this strategy is often obtainable only for purchases of $1,000 or fewer. A month to month installment program provides extra overall flexibility, but it might feature desire.

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Kim Lowe sales opportunities the non-public loans and scholar financial loans editorial groups. She joined NerdWallet following 15 a long time taking care of written content for MSN.com, like journey, wellbeing and food stuff.