Pay over time at Willoughby's

Willoughby's sells cameras, lenses and photo gear from New York. We confirmed Acima, Katapult 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.

Lease-to-own

Acima

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 Willoughby's’s website. Cost and credit check are Acima’s general terms.

All Acima stores and terms

Lease-to-own

Katapult

Cost
More than cash price
Credit check
No hard inquiry

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

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

All Katapult stores and terms

Store credit card

Synchrony credit card

Name at checkout
Synchrony Electronics 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 Willoughby's’s website. APR and credit check are Synchrony credit card’s general terms.

Synchrony financing: how it works

How to pay over time at Willoughby's

  1. Add what you want to your cart on willoughbys.com.
  2. At checkout or on the store’s financing page, choose Acima, Katapult or Synchrony Electronics 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 Willoughby's financing

Does Willoughby's offer financing?

Yes. We confirmed Acima, Katapult and Synchrony credit card at Willoughby's on Nov 14, 2026. Options can change, so check at checkout before you buy.

Will checking my rate at Willoughby's affect my credit score?

Acima uses a soft pull of your consumer report, so you don't need perfect credit. You do need a checking account and at least $750 a month in income.

Can I use Acima in a Willoughby's store?

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

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