Gazelle Help Center | Payment and Financing

Buy | Payment & Financing

Find information on all things Payments and Financing.

What payment methods does Gazelle accept?

Gazelle accepts all major credit cards. We currently accept Visa, MasterCard, American Express, Discover, PayPal, Katapult and Affirm. Gift Cards issued by these companies are accepted at checkout.


Does Gazelle sell or accept Gift Cards?

Gazelle does not accept or provide any Gazelle Gift Cards at the moment.

What is Affirm?

Affirm is a financing alternative to credit cards and other credit payment products. Affirm strives to keep you out of unhealthy debt by facilitating fair, transparent credit so you can pay over time for the things you love. Affirm offers affordable monthly payments at a pace you choose—usually 3, 6, or 12 months—so you're in control. From day one, you know how long you'll pay, and you know how much you'll pay because Affirm never charges late fees or other hidden fees.


With Affirm, you always know exactly what you'll owe and when you'll be done paying.


Affirm tells you up front the total amount you’ll pay. That number will never go up.


You choose the payment plan that works for you. Our smart checkout gives you options.


Affirm won’t charge you late fees or penalties of any kind, ever

Rates from 0% APR or 10–36% APR. For example, a $800 purchase might cost $72.21/mo over 12 months at 15% APR. Payment options through Affirm are subject to an eligibility check and are provided by these lending partners: 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 Finance Lenders Law license. For licenses and disclosures, see


How can I checkout with Affirm?

  1. Fill your cart Select Affirm at checkout, then enter a few pieces of info for a real-time decision.
  2. Choose how you pay Pick the payment plan you like best—from 4 interest-free payments every 2 weeks to monthly payments up to 12 months. You’ll never pay more than you agree to up front. See footer for details.
  3. Pay over time. Make payments at or in the Affirm app. You’ll get email and text reminders.


Does Affirm do a credit check, and how does it impact my credit score?

Affirm currently reports some loans to Experian and may report to other credit bureaus in the future. Please note that this can include loans with delinquent payments, which may impact your credit. If your loan repayment activity is reported to a credit bureau, the entire loan history will be reported.


How might using Affirm affect my credit score?

These things won’t affect your credit score:

  • Creating an Affirm account
  • Checking your purchasing power

These things may affect your credit score:

  • Your payment history with Affirm
  • How much credit you've used
  • How long you’ve had credit
  • Making late payments


Can I pay off my purchase early?

Yes! There’s no penalty for paying early.


How do I make my payments?

You can make or schedule payments at or in the Affirm app for iOS or Android. Affirm will send you email and text reminders before payments are due.


Can I return an item I bought with Affirm?

Yes—you can return an item you bought with Affirm by initiating the return process with the store.


Does checking my eligibility affect my credit score?

No—your credit score won’t be affected when you create an Affirm account or check your eligibility. If you decide to buy with Affirm, this may impact your credit score. You can find more information in Affirm’s Help Center.


Do I need a mobile number to use Affirm?

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


Where can I learn more about Affirm?

You can visit their website at

What is Katapult?

Katapult has reimagined lease-to-own for the better, with lease-purchase plans designed just for you. There’s no credit required, no surprises, and never a late fee, ever. Katapult’s technology looks beyond credit scores to understand your journey, opening up new purchasing power. Apply for a Katapult plan now, and in minutes you could be shopping for the essentials you need in-person, online, or with Katapult’s app. It’s your path from “need” to “own.”


What is Lease to Own?

Lease to own opens up paths to ownership by enabling recurring payments toward owning goods outright. You have no long-term obligation to continue leasing, and can return the product to Katapult at any time with no further obligation other than for amounts past due.

Lease-to-own gives you the power to purchase what you need when you need it.


  • Real purchasing power. Up to $3,500 in lease pre-approval, based on your individual plan.
  • Fast approval. Get a decision in 5 seconds or less.
  • Zero surprises. Total transparency. Never a late fee–ever. 
  • No credit required. Our AI looks deeper to understand your journey.
  • Hyper-flexible purchase plans. Pay over time, purchase anytime. 
  • Help when you need it. Award-winning customer service, with 4.4 stars out of 5 on TrustPilot.

How can I checkout with Katapult?

  1. Go shopping online.
  2. Select Katapult financing on checkout page.
  3. Apply, verify identity and payment info.
  4. Receive an instant decision.
  5. Review and submit your order.
  6. Look for a welcome email from Katapult.

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

No, Katapult offers you a lease to own program. Customers are entering into a lease purchase agreement to lease products with an option to own, by exercising an Early Purchase Option or making all lease to own payments scheduled in the lease purchase agreement. The lease purchase agreement is not a credit transaction. Lease to own payments do not include an interest rate or APR and these will not be used to calculate the lease amount.

Katapult considers the following four factors when calculating the lease to own payment.

  1. The cash price of the product
  2. The state in which the customer resides
  3. The maximum term a customer can lease the product
  4. The state/city sales tax rate

Does Katapult charge late fees?

No. Katapult will never charge you a late fee. Ever.

How do I make my Katapult lease to own payments?

Your first lease to own payment is due at checkout. Then recurring lease to own payments are automatically charged to the card you provided at checkout. You can also make lease to own payments by logging into your Katapult account. You can access your lease purchase agreement account information on Katapult's site by clicking  here .

Please contact Katapult's customer service by calling 833- KATAPULT or 833-528-2785 if you need to update your account or payment information.

How can I keep up to date with Gazelle’s promotions?

We communicate our new sales, discounts and new product releases to our email and text club subscribers! Enter your email address to the slide-out banner at the top of the screen, or in the footer of our website to subscribe to our email newsletter. If you prefer texts, enter your phone number on our Text Club pop up, or by clicking the Text Us button on the bottom left of your browser. 


Do you offer discounts to Military or First Responders?

Yes! We also offer discounts to any Medical staff, Students, and Teachers. View our Exclusive Discounts page to see what discount we are currently offering. To be eligible, you will need to pass verification. 

  1. Create your Free account with VerifyPass. At this step, you will be required to submit a photo of your Professional ID, or current class schedule, depending on what Industry you are in.
  2. Click "Get Promo Code" and sign into your account. Verification may take up to two hours. 
  3. After verification, you will receive a one time coupon code to apply during checkout. This discount code may only be applied once. 


  • Discount codes cannot be combined.
  • Codes are unique and valid for one purchase only.
  • For future purchases, you will need a fresh code from VerifyPass.
  • Limit 1 per customer per month.
  • Sharing your discount code is not permitted.
  • Do not retrieve a discount code unless you intend to use it immediately.
  • Sharing or harvesting codes will result in permanent ban from VerifyPass.

Need more help?

Send us an email and we will respond to you as soon as we can!

Need more help?

Send us an email and we will respond to you as soon as we can!