Payment Plans

Payment plans require a 25-50% down payment, and you may take up to 4 weeks to pay it off in its entirety. You can choose to have your automatic payments occur weekly (the default setting) or twice per week until the plan is fully paid off.  You cannot request to extend it. You can pay it off early if you'd like to by submitting a manual payment for the remaining amount.

But please be sure to read all of the information below as well.

While I would love to not have to charge anything, the cost of running payment plans is quite a bit higher than regular payments and additionally there is a lot more work that goes in to managing and housing these orders. Therefore there is a 3% service fee added to all payment plans.  

I do not accept cancellations at any time (i.e., on Instagram sale events, nor do I offer returns)... but I understand that life can hand you some really crappy bumps sometimes.  If you absolutely HAVE to cancel, please send an email to explain what happened, and I will refund any amount paid, minus a 20% restocking fee. This is 20% of your total original order amount including any fees. If your plan is cancelled due to defaulted payment, this 20% fee will also apply.  BUT keep in mind though that if you do this, you will not be able to shop with me again.

Once a payment plan is started, it cannot be changed, I don't even have an option to do this in the system. Sorry!  I don't allow swaps or put backs anyway, regardless of payment plans : ) 

Sorry, but no, it causes too many issues and confusion.  Payment Plan orders are considered a separate set shipment regardless of if you are only a day or week from paying it off or four weeks. IF you have an open box and plan on using a Payment Plan on your next order, you must tell me BEFORE checkout so I can adjust shipping.  If you do not, your first box will now hold until your Payment Plan has been paid off.

Payments are made AUTOMATICALLY weekly by the system from the payment form you setup the plan with.  The best idea is to use a normal Credit Card for your plan... please do not use a debit card or a pre-paid card unless you absolutely have no other option. That way you do not risk payments failing or over drafting your account (any fees that are charged by your bank are YOUR responsibility).  If a payment fails, the system will try the next day. The system will automatically try to charge you 5 days in a row, if it fails on the 5th try, the system will also automatically default/cancel your order.  See below.

If your payment goes through on the 5th try, please note that the next payment will be on the normally scheduled day (aka within a day or two), and does not extend your next payment by another week.

If you have too many failed payments, aka it tried 5 days in a row, your plan will default automatically. It is UP TO YOU to chat or e-mail with Partial.ly directly to get your plan re-activated within 24 hours. You will be required to make your payment plan whole again, and they will charge you any amounts due. This may include both the defaulted amount AND the next payment.

If you fail to reactivate it within 24 hours, and/or do not have your plan paid off in 5 weeks MAX, your plan will be permanently CANCELED and you will receive a refund less the 20% restocking fee mentioned above. This means that you cannot have multiple weeks of failed attempts. This also means you will not be able to shop with me again. YOU MUST contact them to re-open or fix your plan. I cannot complete it for you in any other way.

Once you contact them, they will send you an e-mail that you must complete the agreement to re-start the plan. This must be done within the 24 hour window as well.

Please note that if you default on a Payment Plan, you cannot shop with me until it is paid off entirely. You will also be expected to have on-time payments without exception going forward.

Your order will ship AFTER your payment plan is 100% paid for. Usually within 24-48 business hours of the final payment. They may take slightly longer due to the fact that the final payment day may not fall near one of our normal shipping days, or due to sale schedules.  

If you are combining orders (any combination of paid in full or payment plan), they will ship once you are 100% paid up. If for any reason the payment plan system does not charge shipping costs, you will have to pay for it before your item can be shipped.

At this time we only accept US, Mexico & Canadian orders on this website*, but at the moment we can only do payment plans for the US addresses. If you are outside the US, but have a US shipping address, you may still use a payment plan!

*You can still shop my items and Instagram account, I run those checkouts through Etsy. : )

You may only use a credit card or debit card, although I HIGHLY recommend and request you ONLY using a regular credit card. If you use a debit card, you increase your chances of defaulting your plan, which will definitely cause issues with you shopping future sales with me. : ( I am also not responsible for any overdraft or bank fees you may incur from using a debit card.

There is also a limit to how many credit cards you can input into Partial.ly, so please be careful before doing son.

I cannot split an order over multiple cards. The only way you can pay with multiple cards is by using Partial.ly. Once you have opened a Partial.ly plan, you CAN change cards, but there is maximum of 4 cards per account.

You may also NOT use small checkouts as a way to split orders, if you abuse this, i.e. purchasing 1 items several days in a week, I will block you from shopping. Please remember I'm a small business and I get hit with bad fees every checkout.