Financing Services

For All Online Purchases

Make interest-free payments with shop pay.

When inspiration strikes, say yes with confidence -- knowing you’ll never pay a penny more than your purchase price.


For Installed Accessories

Upgrade Now, Pay Over Time

Partially or fully fund your purchase using our financing partner DigniFi. You'll find out instantly if you're approved and for what amount. Any repair or installed product qualifies.

1. Fill your cart
When you're done shopping select Shop Pay at checkout.
2. Pay over time
Make 4 payments every 2 weeks at or in the Shop app.

Payment options are offered by Affirm, are subject to an eligibility checkm and may not be available in all states. Options depend on your purchase amount, and a down payment may be requited. California residents: Affirm Loan Services, LLC is licensed by the Department of Financial Protection and Innovation. Loans are made or arranged pursuant to California Financing Law License 60DBO-111681


Can I pay off my purchase early?

Yes! There's no penalty for paying early.

How do I make my payments?

You can make or schedule payments at or in the app for iOS or Android. Shop Pay will send you email and text reminders before payments are due.

Does checking my eligibility affect my credit score?

No—checking your eligibility won't affect your credit score.

Can I return an item I bought with Shop Pay?

Yes—You can return an item you bought with Shop Pay by initiating the return process with the store.

Do I need a mobile number to use Shop Pay?

Yes, you’ll need a mobile phone number from the U.S. or U.S. territories. This helps Shop Pay verify it’s really you who is creating your account and signing in.

Where can I learn more about Shop Pay?

You can visit their website at

Stop putting off your much-needed upgrades and avoid the high-interest credit cards. You're only a few clicks away from customizing your ride with no money down and affordable monthly payments. Even better-there’s no interest if you pay off your loan in 90 days.


Any Installed Product Qualifies

Code Alarm

Remote Start

$43/Month For 12 Months*



Ultra Flex Tonneau Cover

$56/Month For 24 Months*



Factory-Match Leather Seating

$60/Month For 36 Months*


Benefits of DigniFi

Simple Online Application with an Instant Decision

No Pre-Payment Penalties

Loans from $350 - $7500

*The payment examples above are based upon a 27.99% interest rate and an origination fee of 4% (up to $99). The maximum approved amount will be based on an evaluation of your credit history. Your actual annual percentage rate depends upon credit score, loan amount, loan term, and credit usage & history.

Any names, symbols or descriptions used in our images and text are property of Ford Motor Company, Kia Corporation, Stellantis N.V. or any other vehicle manufacturer or any affiliated companies thereof, and are used for identification and informational compatibility purposes only.

It is neither inferred nor implied that any item sold by VIP Distributing Co. is a product authorized by or in any way affiliated with its compatible vehicle manufacturer unless explicitly stated.

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