Paying over time
Shop Pay Installments is available at checkout on US orders. Select Shop Pay and you'll see the plans you qualify for before committing to anything.
What the plan looks like depends on the total
| Order total | What's offered |
|---|---|
| Under $1,000 | Interest-free split payments |
| $1,000 and up | 3, 6, or 12 monthly payments — interest applies |
Worth being direct about this: every full Pangea table is over $1,000, so a table isn't a four-interest-free-payments purchase. Accessories, bundles, chairs, and frames often are.
We'd rather you know that here than discover it at checkout after you've made the decision.
Who decides your rate
The financing provider does — not us. Approval, your rate, and the exact schedule are set on their side and shown to you at checkout before you agree to anything. We don't see your application and can't influence the outcome.
If you're declined or the terms aren't what you hoped, that's a conversation with the provider rather than with us.
It doesn't change anything about your order
From our side an installment order is a normal order. We're paid in full at purchase either way, which means:
- Lead times and pre-order dates are unaffected. See How long does my Zola table take to ship?
- Shipping is calculated the same way at checkout.
- Discounts still apply — Signature Bundle and chair discounts work normally. See Discounts, bundles, and how to save.
If you cancel or return
We refund to the original payment method, which means the refund goes back through Shop Pay and your installment plan is adjusted on their side. Any interest already accrued is between you and the provider.
Cancelling before shipment is normally straightforward — see Can I cancel or change my order? and How refunds work.