Financing Options

Flexible Payment Options

Finance Your Professional
Aesthetic Equipment

Get the medical-grade equipment your clinic needs today — and pay over time with 0% APR options. Available via Affirm, Klarna and Afterpay at checkout.

0% APR Available Instant Approval No Hidden Fees Ships Immediately
0% APR on qualifying orders
Instant approval decision
Device ships immediately
No credit check with Afterpay
Our Financing Partners

Choose Your Payment Plan

Select your preferred financing option at checkout. Approval takes seconds — your device ships the same day.

0% APR Available

Monthly Installments

Split your purchase into easy monthly payments. Choose 3, 6, 12 or 24-month plans depending on your purchase amount and credit profile.

  • Rates from 0% APR
  • No hidden fees or surprises
  • Instant decision at checkout
  • Soft credit check only
Pay in 4 or Monthly

Flexible Installments

Pay in 4 interest-free installments every 2 weeks, or choose monthly financing over 6–24 months. Transparent terms with no surprises.

  • Pay in 4 — always interest-free
  • Monthly financing 6–24 months
  • Real-time spending overview
  • Simple approval process
Always Interest-Free

Buy Now, Pay Later

Split your order into 4 equal fortnightly payments. Always 100% interest-free. No credit check required. Approved instantly at checkout.

  • Always 0% interest
  • No credit check required
  • 4 equal fortnightly payments
  • Instant approval
Simple Process

How to Finance Your Equipment in 3 Steps

1

Shop & Add to Cart

Browse our full range of professional aesthetic equipment and add your chosen device to cart on LumiCutis.com.

2

Select Financing at Checkout

Choose Affirm, Klarna or Afterpay at checkout. Complete the short application — approval takes seconds.

3

Device Ships Immediately

Once approved, your order is processed and shipped immediately. Pay in comfortable installments while your clinic earns revenue.

Business Case

Why Finance Your Aesthetic Equipment?

For clinic owners and spa operators, financing professional equipment is a proven business strategy — not just a convenience.

Equipment That Pays for Itself

An EMS body sculpting machine at $5,500 financed over 12 months costs roughly $460/month. One client package at $1,600 covers over 3 months of payments. Most clinics hit break-even within 30–60 days of their first client session.

Figures are illustrative. Actual revenue depends on pricing, utilization and client volume.

Avg. EMS treatment package$1,600
Monthly device payment (12mo)~$460
Clients needed to break even1 per month
Est. monthly revenue potential$6,400+
Compare Options

Affirm vs Klarna vs Afterpay

Feature Affirm Klarna Afterpay
0% APR available ✓ Yes ✓ Pay in 4 only ✓ Always 0%
Max repayment term 24 months 24 months 8 weeks
Credit check required Soft check only Soft check only None required
Instant approval ✓ Yes ✓ Yes ✓ Yes
Device ships immediately ✓ Yes ✓ Yes ✓ Yes
Best for Longer-term plans Flexible choice No credit check
Common Questions

Financing FAQs

Is financing available on all LumiCutis devices?
Yes — Affirm, Klarna and Afterpay are available on all LumiCutis products at checkout. There is no minimum purchase amount required to use financing options.
Will applying for financing affect my credit score?
Afterpay does not require any credit check. Affirm and Klarna perform a soft credit check only — this does not affect your credit score. You'll receive an instant decision.
How quickly does my device ship if I use financing?
Your order ships immediately once financing is approved — exactly the same as a regular purchase. Estimated delivery is 2–4 weeks to USA and UK with full tracking provided.
Can I pay off my financing plan early?
Yes. Both Affirm and Klarna allow early repayment without penalty. Contact your financing provider directly for details on early settlement. Afterpay plans complete automatically over 8 weeks.
What if I have questions about my financing plan?
For repayment questions, login amounts or payment schedule changes, contact your financing provider directly — Affirm, Klarna or Afterpay. For questions about your device or order, contact LumiCutis at info@lumicutis.com.
Is financing available outside the USA?
Financing availability varies by country. Klarna is available in 20+ countries including the UK, Germany, France, Australia and many more. Afterpay is available in the USA, UK, Canada and Australia. Affirm is currently USA-only. Check availability at checkout.

Get Your Equipment Now, Pay Later

Choose from 97+ professional aesthetic devices and select Affirm, Klarna or Afterpay at checkout. Free shipping included.

Shop All Devices → Have Questions?