Financing Options

Please note: Any payment completed via financing or Paypal with a cancellation and/or return, will be accessed between 2-10% in processing fees, in addition to restocking and return shipping fees. See return policy here.

 

Customer Service - (855) 423-3729

 How can I finance my purchases at Top Mobility with Affirm?

Top Mobility offers easy & affordable monthly payments online & in stores with Affirm. Alternative to layaway, you can purchase immediately & pay over time at a pace you choose - 3 to 36 months*. During checkout at topmobility.com, you can choose Affirm as a payment method & apply for a loan to pay for your items. For in-store purchases, apply at affirm.com/topmobility, pick your desired payment plan, scan your single use barcode at the register, & make payments online with Affirm.

Affirm always shows you the exact terms (subject to your eligibility) & the total amount of interest you will pay, never charging you anything extra. Unlike most credit cards, Affirm does not charge any fees. That means no late fees, no prepayment fees, no annual fees, no hidden fees, & no service fees to open or close your Affirm account.

 

What is my payment schedule with Affirm?

Your cart total will determine which payment plans are available. For carts between $144 - $12,000, you may be able to finance your purchases over 3 to 36 months. All payment options are subject to eligibility.

 

How do I make my payments?

After you have made a topmobility.com purchase with Affirm, you can make or schedule payments at affirm.com or in the Affirm app for iOS or Android.

 

Can I return a financed item?

Yes, you can return a topmobility.com purchase you bought with Affirm by initiating the returns process on topmobility.com. To ensure your loan is fully refunded you must return your item by shipping or in store. For in-store purchases, you can return your purchase at the Top Mobility store.

 

Do I need a mobile number to use Affirm?

Yes, you will need a mobile phone number from the U.S. or U.S. territories. This helps Affirm verify it is really you who is creating your account & signing in.

 

Does Affirm affect my credit score?

Your credit score will not be affected by creating an Affirm account or seeing if you prequalify. If you decide to buy with Affirm, this may affect your credit score.

 

How can I buy now & pay later with Affirm 0% APR financing at topmobility.com?

Affirm may offer special financing as low as 0% APR on select topmobility.com products. This means you may be able to make monthly payments with no interest with Affirm. When you are browsing products on topmobility.com, certain items may be labeled as offering 0% APR with Affirm. Items eligible for interest-free financing are subject to change. Currently, the 0% APR, interest-free financing program with Affirm is only available on topmobility.com.

 

What if I see an interest rate of 0% APR available on Walmart.com, but the interest rate I later see during Affirm’s application process is between 10-30% APR?

0% APR is a promotional financing offer that is specific to certain topmobility.com products for a limited time. For items that do not qualify for 0% APR financing, your APR rate will be between 10—30%, depending upon your credit. The exact terms you qualify for will be shown when you check out with Affirm.

 

*Your rate will be 10-30% APR based on credit, & is subject to an eligibility check. Ex: on a $150 purchase, you may pay $13.92/mo for 12 months (20.00% APR). Payment options through Affirm are provided by these lending partners: affirm.com/lenders. Options depend on your purchase amount, & a down payment may be required.

**Your rate will be 0% APR or 10–30% APR based on credit, & is subject to an eligibility check. For example, a $250 purchase might cost $23.19/mo over 12 months at 20% APR. 0% APR is available on select products shipped & sold by Top Mobility for a limited time for those who qualify. Payment options through Affirm are provided by these lending partners: affirm.com/lenders. Options depend on your purchase amount, & a down payment may be required.

Buy now, pay later at Top Mobility
Top Mobility offers easy & affordable monthly payments online & in stores with Affirm, at a pace you choose, from 3 to 36 months*. Alternative to layaway, you can purchase immediately & pay over time. During checkout, Affirm always shows you the exact terms (subject to your eligibility) & the total amount of interest you'll pay, never charging you anything extra. Unlike most credit cards, Affirm doesn't charge any fees. That means no late fees, no prepayment fees, no annual fees, no hidden fees, & no service fees to open or close your Affirm account.

  


 
 

 

 

 

 

QUICK & RELIABLE

Answer two quick questions and you’ll know within seconds if you are approved!

  • No Payments
  • No Interest
  • On Purchases for $99 or higher*

 

EASY ACCOUNT MANAGEMENT

Whether you are on your computer or on your mobile device, PayPal Credit gives you the flexibility to check your statements, make payments and more right from your PayPal account.

PAYPAL CREDIT

Top Mobility now offers six months same-as-cash financing through PayPal Credit.
Enjoy the the power to pay as you choose with the security of PayPal.

*Disclaimer: Must pay in full in six months. Subject to credit approval. USA customers only. The Annual Percentage Rate (APR) is 19.99% and the Minimum Interest charge is $2.00

 


 

We accept CareCredit Payments via phone orders for existing CareCredit Customers and in-store only. 

 


Getting your mobility product(s) with Katapult is easy! Click on any Katapult logo on any product page - to get pre-approved, then add to cart, and choose Katapult as your payment method at checkout... or just shop on topmobility.com normally, add to cart, and choose Katapult as payment method at checkout to get your approval! 

Maximum amount is $3500. For more information visit Katapult here.

 

Katapult is not available for customers in MN, NJ, WI, and WY

What is lease-to-own?

Lease-to-own means that your customer will make recurring lease payments for the use of the product(s) they have selected until the terms of the purchase are satisfied. There is no long term obligation to continue leasing, and they can return the product to Katapult at any time, with no further obligation other than for amounts already incurred. In addition, there are several options to acquire ownership of the product being leased. A Katapult lease offers flexibility that may make it more attractive than financing. At the end of the customer's recurring lease cycle, customers can choose to continue their lease with more recurring payments, purchase their product(s), or return their product(s). (normal wear-and-tear is accepted).

Will a customer’s FICO credit score be affected?

Katapult is a no credit required payment option and does not pull or impact the customer's FICO score information. Please review Katapult's most recent credit report disclosure here.

Are customers required to have a checking account to apply?

No, a checking account is not required to apply for a Katapult lease. We may request it as additional information to process their application. They will not be charged to apply.

How long is a pre-approval valid?

Pre-Approvals are good for 30 days. During these 30 days, we remind them to come back and shop. If for any reason they do not use the pre-approval the customer is welcome to reapply again in the future.

What are the terms of a Katapult lease agreement?

Katapult’s lease purchase agreements are available in lengths of 10, 12 or 18 months. For leases up to $400 a 10 month term will be offered. For lease amounts $401-$2000 a 12 month lease will be offered. An 18 month lease term will be available when the amount leased is $2,001- $3,500. Offers may vary by state regulation, amount of the purchase or other factors. These terms are subject to change, check the manual regularly for changes and updates.

Can used items be leased?

Used items are accepted with Katapult. Select used from the ‘Item type’ dropdown when adding the item to the cart. To comply with the law, you must include the condition of the item. Examples include scratch and dent, refurbished, open box, preowned, demo model, floor model, display model, etc.

What approval limits does Katapult offer?

Katapult’s lease limits vary for each customer. When pre-approved, the customer will be able to view their available lease limit by logging into their Katapult account on www.Katapult.com. They will also receive a text message and an email that includes their approval limit. Pre-approval amounts may not be modified; however they can be utilized for more than one lease up to the total pre-approved amount.

How can a customer pay off early?

The customer can elect to pay off their product early. Katapult offers a 90 day early purchase option which allows them to pay off their lease within 90 days for only the cash price plus 5% and any applicable tax. The first payment of $45 will not be credited to the early payoff amount of the product, unless legally mandated. If the customer does not buyout the lease within the 90 day early purchase option window, they will continue making recurring payments according to their lease term. The customer always has the option to buy out the item in subsequent months, at the price referenced in the early purchase option schedule contained in the lease agreement. If the customer does not buyout the lease within the early purchase option window, they will continue making recurring payments according to their lease term. The customer always has the option to buy out the item in subsequent months, at the price referenced in the early purchase option schedule contained in the lease agreement.

Does Katapult charge an interest rate (Annual Percentage Rate)?

No, Katapult offers a lease-to-own payment option. Customers are entering into an agreement to lease the product, with an option to own. The agreement is not a credit transaction. The monthly lease payment does not include an interest rate or APR and will not be used to calculate the lease amount. Katapult considers the following four factors when calculating the monthly lease payment:

● The cash price of the product

● The state in which the customer resides

● The maximum number of months a customer can lease the product

● The state/city sales tax rate

Does Katapult charge late fees?

No, Katapult does not charge late fees to customers, ever!

Have a question?

Katapult is always available to help. Check out Katapult’s FAQs or call 833-KATAPULT (833-528-2785)

Tap to call 1-888-364-3813