Financing

Managing cash flow has always been crucial to running a business and the same holds true for professional photographers and videographers. Additionally, paying for income producing equipment as it generates revenue is a solid business practice.

NEW! Bill Me Later - Supported by PayPal®

When viewing your shopping cart simply click the Check out with PayPal® button, and select Bill Me Later on the PayPal page.

What is Bill Me Later?

Bill Me Later is a PayPal service that lets you buy now and pay later with a credit line that's built into your PayPal account, subject to credit approval. Think of it as an instant and reusable credit line you can use at checkout when you pay with your PayPal account. Bill Me Later is built into most PayPal payment solutions.

What are the benefits of using Bill Me Later?

  • Convenient and secure checkout - Bill Me Later is an instant and reusable credit line that you can use at checkout when you pay with your PayPal account. Since it's built into your PayPal account, it comes with all the security you expect from PayPal.
  • Flexibility - You choose when you want to pay, thanks to special Bill Me Later financing offers, such as no payments and no interest if paid in full in 6 months on purchases of $99 or more. Plus, you have up to 25 days to pay for purchases under $99.
  • Buying power - It's great for large purchases. You can buy and enjoy now, but have the ability to take 6 months to pay, if paid in full, without interest or payments.

What is the process to utilize Bill Me Later?

The first time you select Bill Me Later as your payment method during checkout, you will be prompted to enter your date of birth and just the last 4 digits of your Social Security number, and accept the terms. You will then receive a credit decision within seconds. The Bill Me Later credit line is subject to consumer credit approval and offered through Comenity Capital Bank. In subsequent visits you can use Bill Me Later without needing to enter your information. After applying, Bill Me Later is added to your PayPal account as a payment source, like your credit card or bank account.

How do I pay my Bill Me Later bill?

You will receive monthly statements and can choose to pay in full or over time (interest charges apply). For your convenience, you can pay your bill on BillMeLater.com. Plus, if you use Bill Me Later through PayPal, you can also view your purchases and pay your bill on PayPal.com. Even though your purchases appear in both places, you will only be charged once.

Will I have to pay fees to PayPal to use Bill Me Later?

No, you will not have to pay any fees to complete a purchase using Bill Me Later. However, you may incur interest charges or late fees if you do not pay your Bill Me Later balance before the end of the 6-month deferral period, or if you pay after the payment due date listed on your statement. For more details, see Bill Me Later's Terms and Conditions.

If I pay late, will there be a fee?

Bill Me Later will charge a late fee for each month a minimum payment is not paid in full by the payment due date on your statement. The amount of the late fee will be the amount of the missed payment, up to $25, the first time you are late. If you are late again, the late fee will be up to $35.

Does Bill Me Later protect me from liability for unauthorized charges?

Yes, Bill Me Later provides "zero fraud liability" protection; the same protection provided by most major credit cards. This means you are not responsible for unauthorized charges. And your identity is validated with top-of-mind information such as Date of Birth and the last four digits of your Social Security number. This means there is no account number that can be lost or stolen.

Do I have a credit line and how much is it?

Yes, once you open a Bill Me Later account you will have a credit line, which we call your "buying power." Once you have completed your first purchase using Bill Me Later, Comenity Capital Bank will open a Bill Me Later account with buying power equal to the amount of your purchase or $250, whichever is greater. You can now use Bill Me Later to make additional purchases. If those purchases would cause your outstanding balance to go above your buying power, then Comenity Capital Bank will evaluate if you are eligible for more buying power and increase your buying power if you are. This happens seamlessly during the checkout process. You do not need to do anything and it will not slow down your checkout.

On an ongoing basis, your buying power will be either the highest total of balances you have had outstanding on your account at any time or a lower amount of which you have received notice, but will not be less than $250. Here is an example of how this works:

  • If your first purchase using Bill Me Later is $150, your initial buying power will be $250.
  • If before you pay your first bill you make another purchase for $300, Comenity Capital Bank will adjust your buying power to $450 (if you are eligible for higher buying power).
  • If you then pay off $350 of your first bill, you will have $350 of buying power remaining. If you want to make another purchase using Bill Me Later for more than $350, Comenity Capital Bank will increase your buying power again (if you are eligible for higher buying power).

You can always continue to make additional purchases up to your outstanding buying power, and Comenity Capital Bank will consider increasing your buying power when your purchase goes above it.

What does "Subject to Credit Approval" mean?

Bill Me Later is a credit account that you can use to make purchases. Comenity Capital Bank will review and consider your credit report and other credit related information prior to opening your account and establishing your buying power. Creditworthiness is determined by Comenity Capital Bank. This process happens in a matter of seconds as part of the Bill Me Later checkout process. Once you are a Bill Me Later customer, you can rely on your buying power to make purchases. If you make a purchase that would cause your outstanding balance to go above your buying power, we will review your credit history and history with Bill Me Later to instantly determine whether to increase your buying power.