ThrivePay Installments makes high-value purchases more accessible by allowing you to split your payment into 3, 6, or 12 interest-free monthly installments using your existing credit card—no credit check required.
Unlike traditional Buy Now, Pay Later services that create new lines of credit, ThrivePay Installments uses your credit card's available credit, giving you complete control and flexibility. You gain immediate access to your purchase the moment your payment is authorized, while installments are automatically charged to your card each month.
With transparent pricing, no hidden fees, and the security of working directly with your existing credit card, ThrivePay Installments transforms how you shop without the financial stress of a single large payment.
Eligibility Requirements
To use ThrivePay Installments to place an installment purchase, you must meet the following requirements:
Geographic Eligibility:
- Billing Country: Your billing address must be in the United States, United Kingdom, Canada, or Australia
- Card Issuing Country: Your credit card must also be issued from one of these four supported countries
Credit Card Requirements:
- Available Credit: Your credit card must have the full purchase amount available in credit at the time of authorization
- Card Type: Major credit cards are supported (Visa, MasterCard, American Express, Discover)
- Valid Through Plan Duration: Your card must remain valid throughout the entire installment period
Important: The full purchase amount is authorized (placed on hold) on your card immediately, but you're only charged monthly for each installment. This authorization ensures you have sufficient available credit to complete all payments.