Buy the parts you need today and pay over time. Sun Coast Cycle Sports accepts Affirm and PayPal Pay Later at checkout — no hidden fees, instant decisions, and no impact on your credit score to check eligibility.
Which Option Is Right for Me?
Both options are available at checkout. Here’s how they compare:
| Affirm | PayPal Pay Later | |
|---|---|---|
| Payment terms | 3, 6, or 12 monthly payments | Pay in 4 (every 2 weeks) or monthly (6–24 months) |
| Interest | 0–36% APR depending on plan and credit | 0% APR on Pay in 4; rates vary on monthly |
| Credit check | Soft check at checkout — no impact | Soft check at checkout — no impact |
| Best for | Larger purchases you want to spread over months | Quick splits with a PayPal account you already have |
| Where to choose it | At the Payment step during checkout | Click the yellow “Pay Later” button on the cart, or choose PayPal at checkout |
How to Checkout with Affirm
Available on qualifying orders. The whole process takes about a minute.
- Add the parts you want to your cart. You’ll see “0% APR or as low as $X/mo with Affirm” on the product page and cart so you know it’s available.
- Click CHECK OUT on the cart page.
- Enter your email, shipping, and billing information as you would on any order.
- At the Payment step, select “Affirm — Pay over time.” You’ll be asked for a few quick details (name, phone, last 4 of SSN, date of birth).
- Get an instant decision. Affirm runs a soft credit check — this does not affect your credit score.
- Choose your plan (3, 6, or 12 months) and confirm. You’ll see the exact monthly payment and total cost upfront — no hidden fees.
- You’re done. We ship your order and Affirm bills you on your chosen schedule.
Subject to credit check and approval. Rates range from 0–36% APR. Payment options depend on your purchase amount and eligibility. Visit affirm.com for details.
How to Checkout with PayPal Pay Later
Two ways to use PayPal Pay Later:
- Add the parts you want to your cart. You’ll see “Starting at $X/mo or as low as 0% APR with PayPal” on the cart.
- Choose your path:
- Fastest: Click the yellow “Pay Later” button on the cart page (under the Check Out button). PayPal opens in a new window with your Pay in 4 or monthly options.
- Or: Click CHECK OUT, complete shipping/billing, then select PayPal at the Payment step. PayPal will show your Pay Later options inside their flow.
- Sign in to PayPal (or create an account if you don’t have one).
- Choose your plan — Pay in 4 (4 interest-free payments every 2 weeks) or monthly (6–24 months, rates vary).
- Confirm and you’re done. We ship your order and PayPal handles the payment schedule.
Subject to consumer credit approval. Pay in 4 is interest-free; monthly plans have rates that vary by purchase and eligibility. See paypal.com for details.
Frequently Asked Questions
Will checking eligibility hurt my credit score?
No. Both Affirm and PayPal Pay Later use a soft credit check that does not affect your credit score. You only see a hard inquiry if you accept a loan and miss payments later.
Are there any hidden fees?
No. Both Affirm and PayPal show your total cost and monthly payment upfront before you confirm. There are no late fees on Affirm or on PayPal’s Pay in 4. PayPal monthly plans may have interest depending on your terms.
What’s the minimum purchase amount?
Affirm financing is available on orders of $100 or more. PayPal Pay Later is available on most orders — the exact minimum depends on your eligibility.
Can I pay off early?
Yes. Both Affirm and PayPal allow early payoff with no prepayment penalty. You only pay interest on the days you carry the balance.
What happens if I return an item?
Refunds work the same as any return — we refund Affirm or PayPal directly, and they adjust your remaining balance or refund payments you’ve already made. See our Returns Policy for details.
Do you offer Affirm or PayPal Pay Later for international orders?
Affirm and PayPal Pay Later are currently only available to U.S. customers with a U.S. billing address. International customers should contact us at service@sccs.co for payment options.
Credit & Debit Cards
We accept all major credit and debit cards for fast, secure checkout:
- Visa
- Mastercard
- American Express
- Discover
All card transactions are processed through secure, PCI-compliant payment processors. We never store your credit card information on our servers.
Digital Wallets
For a faster checkout experience, we also accept the following digital payment methods:
- PayPal — Pay with your PayPal balance or linked bank account
- Google Pay — Use your saved cards through Google
- Apple Pay — Pay securely with Face ID or Touch ID on Apple devices
- Amazon Pay — Use the payment methods stored in your Amazon account
Secure Checkout
Your security is our priority. Every transaction on our website is protected with:
- SSL encryption — Your data is encrypted during every transaction
- PCI-compliant payment processing — Industry-standard card security
- Trusted payment partners — We work with leading processors including PayPal, Affirm, and Stripe
Questions About Payment?
If you have any questions about payment options or need help placing an order, we’re here to help:
Email: service@sccs.co
Phone: 813-774-8844
Hours: Monday–Friday, 8:00am–3:00pm EST
Email is usually the fastest way for our team to respond.