Pay over time at P.C. Richard & Son

P.C. Richard & Son is a Northeast appliance and electronics retailer selling TVs, appliances, computers and mattresses. We confirmed Affirm, Acima and Synchrony credit card 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 Affirm is set up on the store’s website

Store offer, minimum and plan lengths are from P.C. Richard & Son’s website. APR and credit check are Affirm’s general terms.

All Affirm stores and terms

Lease-to-own

Acima

Name at checkout
Acima Lease To Own
Cost
About 2x cash price
Credit check
Soft pull

Checked Nov 10, 2026 The store’s website says it offers Acima

Store offer, minimum and plan lengths are from P.C. Richard & Son’s website. Cost and credit check are Acima’s general terms.

All Acima stores and terms

Store credit card

Synchrony credit card

Name at checkout
P.C. Richard & Son credit card
APR
Promo offers, then the card's purchase APR (34.99% on new Synchrony HOME cards)
Credit check
Credit card application

Checked Nov 14, 2026 The store’s website says it offers Synchrony credit card

Store offer, minimum and plan lengths are from P.C. Richard & Son’s website. APR and credit check are Synchrony credit card’s general terms.

Synchrony financing: how it works

Takes PayPal

PayPal (Pay Later inside PayPal)

P.C. Richard & Son 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

How to pay over time at P.C. Richard & Son

  1. Add what you want to your cart on pcrichard.com.
  2. At checkout or on the store’s financing page, choose Affirm, Acima Lease To Own or P.C. Richard & Son credit card.
  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 P.C. Richard & Son financing

Does P.C. Richard & Son offer financing?

Yes. We confirmed Affirm, Acima and Synchrony credit card at P.C. Richard & Son on Nov 14, 2026. Options can change, so check at checkout before you buy.

Will checking my rate at P.C. Richard & Son 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 P.C. Richard & Son store?

We checked online shopping at P.C. Richard & Son only. If the store has physical locations, ask there whether financing is available.

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