Example: Happy Trails Foldover Square Toe Riding Boots at $87.31 (price on Nov 11, 2026), paid monthly over 12 months with Shop Pay Installments financing, where the store offers it.
Sezzle Pay in 4: 4 payments of $21.83 every 2 weeks, with no interest if you pay on time.
APR
Monthly
Total paid
Interest
0%
$7.28
$87.31
$0.00
19.99%
$8.09
$97.05
$9.74
36%
$8.77
$105.26
$17.95
For illustration only, before tax and shipping. Your APR depends on your credit and the plan. 0% APR is only possible if the store runs a 0% offer and you qualify.
How to pay over time at Charming & Main
Add what you want to your cart on charmingandmain.com.
At checkout, choose Shop Pay Installments or Sezzle. Shop Pay Installments shows as Shop Pay: choose it, then pick installments.
Each one runs its own check. The cards above show which use a soft check and which can affect your credit.
Compare the plans and the total cost, then accept only if the total works for you.
Questions about Charming & Main financing
Does Charming & Main offer financing?
Yes. We confirmed Shop Pay Installments and Sezzle at Charming & Main on Nov 11, 2026. Options can change, so check at checkout before you buy.
Will checking my rate at Charming & Main affect my credit score?
Applying for Shop Pay Installments does not affect your credit. If you take a plan, your loan and payment history may be shared with credit bureaus.
Can I use Shop Pay Installments in a Charming & Main store?
We checked online shopping at Charming & Main only. If the store has physical locations, ask there whether financing is available.
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