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IIR Financing Options

We have partnered with Affirm to give you a simple way to make your purchase with no hidden fees.
How does Affirm work?
  • Easy monthly payments: 

    Provide some basic information and get a real-time credit decision to split your purchase into monthly payments. Rates from 10% to 30% APR with loans of 3, 6, or 12 month terms.
  • Flexible repayment: 

    Simply pay your monthly bill using a debit card, bank transfer at
  • Disclosure: 

    Subject to credit check and approval. Down payment may be required. For purchases under $100, limited payment options are available. Estimated payment amount excludes taxes and shipping fees. Affirm loans are made by Cross River Bank, a New Jersey State Chartered Commercial Bank, Member FDIC. See for details.


We have added Acima to our line up of financing options available to you! No credit is required and decisions are emailed within minutes! Learn more about Acima here!

Acima financing - Apply Here


Now offering a no credit required option at checkout. Checkout for just $45 and own it in 90 days for just $45 above the checkout price. Apply now at IIR and get approved for up to $3,500 in seconds. No cash? No credit? We have a solution for you.

Customer Qualifications

Valid mobile phone number that can receive SMS
Valid email address
Current, valid US address (no PO Boxes)
At least 18 years old
A valid credit or debit card to make recurring payments (no payroll, prepaid, gift cards, or American Express)
A valid Social Security or Taxpayer ID Number (ITIN)

    How to use Zibby

    1. Get pre-approved. Our application is short and sweet. Get a decision in seconds.

    2. Go shopping. Select the items you want within your Zibbyspending limit.

    3. Checkout. Choose Zibby, make your initial payment, and enjoy your items!

    Questions? Please check out Zibby's Frequently Asked Questions.
    Buy now, pay later with PayPal Credit.
    Get 6 months to pay on purchases of $99+ every time you shop. That's not an introductory offer and there's no limit on the number of qualifying purchases you can make. Just complete a quick application and get a credit decision in seconds.