Pay over time at tomtoc

tomtoc sells protective laptop sleeves, backpacks and cases for tech gear. We confirmed Shop Pay Installments and Cash App Afterpay 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 tomtoc’s website. APR and credit check are Shop Pay Installments’s general terms.

All Shop Pay Installments stores and terms

Pay later

Cash App Afterpay

APR
0% to 35.99%
Credit check
Soft check

Checked Nov 10, 2026 We saw Cash App Afterpay at the store’s checkout

Store offer, minimum and plan lengths are from tomtoc’s website. APR and credit check are Cash App Afterpay’s general terms.

All Cash App Afterpay stores and terms

Takes PayPal

PayPal (Pay Later inside PayPal)

tomtoc 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

What a plan could cost

Example: TechPack-T73 X-Pac Laptop Backpack 28L at $204.99 (price on Nov 10, 2026), paid monthly over 12 months with Shop Pay Installments financing, where the store offers it.

Cash App Afterpay Pay in 4: 4 payments of $51.25 every 2 weeks, with no interest if you pay on time.

APRMonthlyTotal paidInterest
0%$17.08$204.99$0.00
19.99%$18.99$227.86$22.87
36%$20.59$247.12$42.13

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 tomtoc

  1. Add what you want to your cart on tomtoc.com.
  2. At checkout, choose Shop Pay Installments or Cash App Afterpay. Shop Pay Installments shows as Shop Pay: choose it, then pick installments.
  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 tomtoc financing

Does tomtoc offer financing?

Yes. We confirmed Shop Pay Installments and Cash App Afterpay at tomtoc on Nov 10, 2026. Options can change, so check at checkout before you buy.

Will checking my rate at tomtoc 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 tomtoc store?

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

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