Pay over time at Gazelle

Gazelle sells certified pre-owned iPhones, cell phones and iPads. We confirmed Affirm and Katapult here.

Ways to pay over time

Options and terms can change and depend on your credit. Confirm at checkout before you accept.

Pay later

Affirm

Minimum purchase
Often $50
APR
0% to 36%
Credit check
Won't affect your score

Checked Nov 10, 2026 We saw Affirm at the store’s checkout

Store offer, minimum and plan lengths are from Gazelle’s website. APR and credit check are Affirm’s general terms.

All Affirm stores and terms

Lease-to-own

Katapult

Cost
More than cash price
Credit check
No hard inquiry

Checked Nov 10, 2026 We saw Katapult at the store’s checkout

Store offer, minimum and plan lengths are from Gazelle’s website. Cost and credit check are Katapult’s general terms.

All Katapult stores and terms

What a plan could cost

Example: Galaxy S26 Ultra 256GB (AT&T) at $829.99 (price on Nov 10, 2026), paid monthly over 12 months with Affirm financing, where the store offers it.

Affirm Pay in 4: 4 payments of $207.50 every 2 weeks, with no interest if you pay on time.

APRMonthlyTotal paidInterest
0%$69.17$829.99$0.00
19.99%$76.88$922.58$92.59
36%$83.38$1,000.59$170.60

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 Gazelle

  1. Add what you want to your cart on buy.gazelle.com.
  2. At checkout, choose Affirm or Katapult.
  3. Each one runs its own check. The cards above show which use a soft check and which can affect your credit.
  4. Compare the plans and the total cost, then accept only if the total works for you.

Questions about Gazelle financing

Does Gazelle offer financing?

Yes. We confirmed Affirm and Katapult at Gazelle on Nov 10, 2026. Options can change, so check at checkout before you buy.

Will checking my rate at Gazelle affect my credit score?

Checking your plans with Affirm does not affect your credit score. If you take a loan, Affirm reports it to Experian, including Pay in 4.

Can I use Affirm in a Gazelle store?

We checked online shopping at Gazelle only. If the store has physical locations, ask there whether financing is available.

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All camera & electronics financing stores

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