Pay over time at K18

K18 sells biotech hair repair masks and treatments for damaged hair. We confirmed Shop Pay Installments here.

Ways to pay over time

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

Pay later

Shop Pay Installments

Minimum purchase
$50 for Pay in 4
APR
0% to 36%
Credit check
No impact to apply

Checked Nov 10, 2026 Shop Pay Installments is set up on the store’s website

Store offer, minimum and plan lengths are from K18’s website. APR and credit check are Shop Pay Installments’s general terms.

All Shop Pay Installments stores and terms

Takes PayPal

PayPal (Pay Later inside PayPal)

K18 takes PayPal at checkout. We didn't see Pay Later advertised on its site, but for eligible US orders Pay in 4 usually shows inside the PayPal window. Check there before you rely on it.

Checked Nov 10, 2026

PayPal Pay Later terms and stores

HSA/FSA

Pay with HSA/FSA via Flex

K18 takes HSA and FSA money through Flex. Some items need a short chat consultation at checkout to qualify, then you pay with your HSA or FSA card or split the payment. Your plan can still refuse the claim, so check your plan first.

Checked Nov 13, 2026

How Flex works, and is it legit?

What a plan could cost

Example: K18 x Future Society Limited Edition Scent Mask - 50 mL at $75.00 (price on Nov 10, 2026), paid monthly over 12 months with Shop Pay Installments financing, where the store offers it.

Shop Pay Installments Pay in 4: 4 payments of $18.75 every 2 weeks, with no interest if you pay on time.

APRMonthlyTotal paidInterest
0%$6.25$75.00$0.00
19.99%$6.95$83.37$8.37
36%$7.53$90.42$15.42

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 K18

  1. Add what you want to your cart on k18hair.com.
  2. At checkout, choose Shop Pay Installments as your payment method. Shop Pay Installments shows as Shop Pay: choose it, then pick installments.
  3. Affirm checks which plans you can get. Applying does not affect your credit.
  4. Compare the plans and the total cost, then accept only if the total works for you.

Questions about K18 financing

Does K18 offer financing?

Yes. We confirmed Shop Pay Installments at K18 on Nov 10, 2026. Options can change, so check at checkout before you buy.

Will checking my rate at K18 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 K18 store?

We checked online shopping at K18 only. If the store has physical locations, ask there whether financing is available.

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