IFI Admin, Author at Paragon School of Pet Grooming

How Groomers Can Help Maintain Pet Dental Health

While February is the “official” month of Pet Dental Awareness, keeping canine (and feline) teeth clean and breath fresh is a year-round proposition. That’s because poor oral hygiene can cause a number of issues for dogs and cats — and they can’t tell us when it hurts. Approximately 84 percent of dogs and 70 percent of cats in the U.S. will develop some form of periodontal disease by the time they’re three years old, experts say.

The trouble begins with gingivitis, an inflammation of the gums caused by a buildup of plaque. If it is not removed, tartar begins to form, and over time, advances under the gum line, resulting in periodontal disease. Periodontal disease doesn’t just affect the pet’s mouth, it can also affect the heart and other organs of the body, and possibly shorten the pet’s life expectancy.

Dog Groomers First Line of Defense Against Dental Disease

Groomers can be the first line of defense to help pet parents stay ahead of pet dental discomfort and disease:

• When grooming, look for signs of red swollen gums and tartar accumulation and point these out to pet owners. Report any sensitivity or signs of mouth pain in the pet.

• Encourage the pet parent to seek veterinary assistance for a deep cleaning in obvious cases. Educate pet parents about the risks of deferred treatment, which can include abscess, infection, bone loss and heart disease (endocarditis).

• Use the “sniff test” as a quick way to identify bad breath in the pet. If a dog or cat’s breath smells really bad, he or she may have an oral infection that requires inspection or treatment by a veterinarian. But if the pet simply smells ‘fishy’ from food, you can freshen their breath to a more kissable standard and win the loyalty of pet parents in the process.

• Offer a brushless cleaning service, dental care products, and dental chews as add-ons in your pet business to give clients convenient access to oral care products.

TropiClean Fresh Breath Program for Pet Business

Our friends at TropiClean have developed a program for groomers to use — and resell — their Fresh Breath treatment line. It’s a great way to help educate clients about pet dental health care and encourage daily maintenance. It’s also a good way to generate additional business revenue. Benefits of the Fresh Breath program include:

Easy, 2-step process
Oral gel reduces plaque and tartar
Foam fights bacteria and freshens breath
Get 20% Off Groomer Program bundles of the Fresh Breath Line – just tell them Paragon sent you! Learn More at TropiClean’s Groomer Center.

TropiClean also features its “Enticers” line of flavored dental chews and gel products with a 10% case discount for Paragon people. Learn more here: TropiClean Enticers.

Click on the image to download Fresh Breath program posters for use in your pet facility:

Adding Dental Health Services & Products to Boost Your Business

– Originally published by our partners at IndiePet.

Chew on this! Did you know, according to the American Veterinary Medical Association, it is estimated that by the age of two 80 percent of dogs and 70 percent of cats have some form of periodontal disease? Further, periodontal infections have been linked to diabetes, heart attacks, strokes, kidney disease and other life-threatening disorders.

WOW! What are you doing about this? As a Pet Professional, we have an obligation to the Pet Parents who trust us with their pets’ care to inform them of the severity of this problem.

Most Groomers believe they can only make more money if they take an extra dog on the books, or raise prices, or do more big dogs. All of these methods will work, but what about working smarter and not just harder. How?! Recommend extra services that not only generate extra revenue but also educate the Pet Parent and benefit the pet in one way or another. Oral Care services are a perfect add on which satisfies all of these criteria.

If the business has only Groomer they can groom 8 dogs per day and they make a concerted effort to ask every person who comes through the door if they would an oral care service for their pet, (we’ll talk about services choices in a minute) and only 20% of the clients accept, that can equal an average of $20-$30 extra in revenue per day. $30 per day multiplied by seven days per week generates over $11,000 per year in incremental revenue. What if you had more people working in your salon? What if three or four out of every ten clients accepts?

Now that I have your attention (money always works!), let’s talk about the choices you have in service offerings. First, traditional teeth brushing. Depending on the toothpaste and toothbrush (human toothbrush or finger brush) you use, this service can be easy to start and a fair number of dogs will let you brush their teeth while others will not. Another choice is dental wipes. Yet another choice is the best way of addressing the pet’s oral care needs and that is a variety of products engineered to make the entire process easier for the Groomer and the pet. Based on a “no brushing necessary” position, products such as dental gel, breath sprays and foams, water additives, and a variety of treats and chews not only give you more options to address the concern of periodontal disease, but also gives your clients a choice of products to use at home on a regular basis.

Dental products are perfect additions to your services offering, plus they are a great addition to your retail offering. Many Groomers will say dental services offered in salons on a “once a month” basis has very little effect on the pet’s dental health. I beg to differ. I can tell you from experience you WILL sell oral care services by simply asking everyone who enters your business and you WILL sell oral care products to Pet Parents who wish to take better care of their pet’s teeth since you have brought it to their attention that they should be. The products you carry should make it as easy for the Pet Parent as possible. If the product is hard to use or the process is hard to do, they simply won’t do it.

Additional Resources:

Hey Joe Podcast – “Dental Awareness with Guest Josh Meyer, TropiClean”

Article – How Groomers Can Help Maintain Dental Health

How to Encourage Cold Weather Appointments

Dog running in snow depicting how professional dog grooming businesses can encourage cold weather appointments Do you live in a climate where you have seasonal changes in the weather patterns? For many groomers, the number of grooming appointments dips with the temperature. This can be a real problem if you rely on your grooming income to pay your bills!

How do you combat that problem? Encourage pre-booking.

It always amazes me how many clients have no idea what their pet needs in terms of coat care when the temperatures plummet.

Professional pet grooming is service driven. That means you must be a problem solver – even when your clients don’t know they have a problem! Thus, you become not only the problem solver but also the educator!

Just prior to some of the coldest weather of the season in the northern hemisphere, we have one of our busiest seasons – the holidays. Take advantage of your good fortune.

Here are 6 of the most common problems associated with colder weather:

Pet Hygiene: regular bathing is essential for pets that share our lives – and our homes.
Regular Brushing: keeps the tangles away along with other benefits such as distributing oils through the coat and promoting circulation of the skin.
Nails: they need to be trimmed and/or filed all winter.
Feet: many breeds need the hair between the toes trimmed to keep them comfortable while outside.
Coat Growth: it does slow down but trimming is still essential.
Dryness & Static: both the skin and the coat can dry out – special shampoos and conditioners can combat the both dryness and static.

As you check out every pet, assume the client is going to rebook in 4 to 6 weeks. Let them know that most pets benefit from regular grooming – even in the winter. It can be very helpful to have a marketing piece outlining the benefits of cold-weather grooming ready to hand out. Focus on the six items outlined above.

Always suggest the ideal time frame between appointments based on their dog’s coat type. Let them know you’ve saved a particular date just for them. If you know the client well enough, you’re going to know what they prefer for an appointment time. Offer that time to them.

If your clientele is price sensitive, try sweetening the deal. Offer a special winter incentive to book within 6 weeks of their last appointment date. 10 – 20% off their normal grooming price is a common enticement to get them back on the grooming table.

Oops. You didn’t ask your clients to re-book?! Now what?

If you didn’t ask every one of your customers to rebook when they were in for their holiday appointment, don’t despair. For many grooming businesses, it is a bit slow right after the holidays. Take that down time to simply pick up the phone – or use your automation software to reach out to recent appointments.

Systematically go through your appointments starting in the end of November and work your way to Dec 24^th. Make a simple and friendly “courtesy call” or message to get their pet set up for their next appointment. Don’t forget to include your special discount for booking within 6 weeks of their last appointment.

4 Typical Cold Weather Issues Associated with Grooming

It’s important to remember that coats and sweaters continually rub against a dog’s fur, constantly causing friction against the hair. If the coat is fur is longer, this can lead to mats and tangles. It’s best to remove doggie garments before they come inside. Remember, most of us don’t wear our heavy coats indoors. The same should happen with our pets. If they need a little added warmth, most folks opt for an indoor sweater. They can do the same with their dog.
For dogs that are very short coated or the coat is very thin, doggie garments for both outside and inside are great options. However, constant sweater wearing leads to doggie odor, dry skin, and lots of static. All problems that can be addressed with regular professional grooming.
If the dog normally gets a haircut, many owners enjoy a slightly longer style in the winter. Many of these longer styles are still low maintenance and easy to care for – especially if the dog is going out into the snow for a romp.
Some owners extend the time between haircuts. If their pet has the type of coat that could easily get out of control without regular brushing, you’ll definitely want to encourage maintenance appointments between full haircuts. Maintenance appointments would include a bath using a moisturizing shampoo and conditioner, a full brush out, minor trimming around the eyes and feet, and sanitary areas. Nail trimming, ear cleaning, and fresh bows or bandanna are nice touches. Generally, these types are booked every 2 or three weeks and offered at a reduced rate.

Still slow? Plan for it. (Okay, maybe NEXT year plan for it…) But for now – bask in the glory of a little time to yourself! Use the time to dig into those shop projects you’ve been putting off. Shorten your workweek to 4 days or knock off a tiny bit early on select days. Or best yet – schedule your OWN vacation!

Happy Trimming!

~Melissa

Will You Be Busy in January & February?

Melissa Verplank, CMG and founder or Paragon Pet School Most grooming salons in America are feeling the post-holiday slowdown after the Holidays. Your appointment book is extremely light with bookings. The phones are quiet. You’re worried.

For those of you that live in warm climates, you don’t have the same problem those of us that live in a snow-belt area.

Typically, a grooming appointment book is very light during this timeframe. Owners just don’t feel it’s necessary to have their dogs groomed when there’s cold outside or there is snow on the ground. But with a little education you can turn the tide.

There are two plans of action that work well. One is education. The other is a special offer if a client rebooks within six weeks.

Even though the weather might be cold, it doesn’t stop the pet from needing to be groomed. Remember you are a problem solver. These are typical problems most people experience what their pets during the winter.

Education:
1. Dry, flaky skin.
a. Offer a moisture enhancing treatment to combat dry, itchy and flaky skin.

2. My pet will get cold.
a. Many owners put sweaters and jackets on smaller pets during the colder months. If they’re wearing coats and jackets, it’s important to maintain a regular grooming schedule to keep the fur mat and tangled free.
b. Opt for a longer trim style. This allows the dog to maintain a little bit more coat and the owner can enjoy a fuller trim but still keep the dog looking great
c. Opt to do a bath and brush in-between grooming’s. This is a great problem solving solution. Not only will you see the pet regularly but you’ll be able to package together a number of services to keep the dog skinning coat in top condition. You can offer a moisture enhancing shampoo and conditioner along with thoroughly brushing the coat, nail trimming, ear cleaning and minor trimming to keep your client’s pet in top condition.
d. Moisture + Long Fur = Mats. Snow is moisture. If the pet is romping in the snow and their coat is long, they need to be bathed and thoroughly brushed out on a regular basis so they don’t turn into a matted mess.

3. My pet doesn’t need a haircut and the winter
a. During the colder months, the coat growth does slow down. Bump the client’s appointment out a week or two beyond what they normally do and opt for a bath and brush in between haircuts.

Offer a Special:
1. If your clientele is price-sensitive, offer a discount off the pets grooming service if it’s booked within six weeks.

2. Offer something free like an upgraded spa service. Place a value on it so the client knows what type of monetary value they would be getting. Limit the offer to 6 weeks out from the date of the current appointment.

Take a lesson from the fast food chains – they always ask. The worst the client can say is, “No thank you.” You’re not being pushy. You’re just looking out for the best interest of the pet.

No matter which angle you opt to go for, it will be critical that you reach out and ask each and every one of your customers if you didn’t already ask the last time there were in. Better yet, make a rebooking incentive plan for your next busy season to proactively combat the lull.

Yes, in the snow-belt areas, your appointment book will be a little bit lighter. But if you are proactive, you’ll have plenty of dogs to groom. There is nothing like having an appointment book that is 40% to 60% pre-booked. That’s job security.

Happy Trimming!
~Melissa

How Many Dogs Should A Professional Groomer Be Able to Groom?

Melissa Verplank breaks down a frequently-asked question – how many dogs should a grooming professional groom in a day? Tune in to find out Melissa’s metrics for success, and find out how you can improve your speed in the studio!

Want more inspiration? Check out our Online Dog Groomer Training courses or the ALL NEW community at Paragon’s Groominar® Network – Learn2GroomDogs.com, where you can find hundreds of instructional videos by industry experts, all organized by Skill Level. While you’re there, sign up to be notified when enrollment opens.

Transcript

Melissa Verplank: Hi, guys. Melissa here. I want to touch base on a question that gets asked a lot and I see it over and over again. It never seems to get old. That question is, how many dogs a day should somebody be able to do on a professional level in a grooming salon? There’s a lot of different right and wrong answers, but bottom line, if you’re looking to be a productive member of a team or you are looking at professional grooming to be a career opportunity and you’re going to rely on the revenue that you’re going to generate to pay your bills, to enjoy life, then pretty much the minimum that somebody needs to be able to do is between six and eight dogs a day.

When I say six or eight dogs a day, I’m not talking about the big, giant furries, the big doodles that are going to take two, two and a half hours to do. I’m talking more about the low maintenance, small to medium sized dogs, kind of no nonsense kind of haircuts. With that type of a trim, that type of a job, you should be looking at being able to turn a dog a minimum an hour. Anywhere between 45 minutes and 60 minutes to do a low maintenance, smaller type haircut. When I say that, I’m talking about the bath, the dry, and the haircut itself. That is the whole enchilada to be able to do under an hour.

If you’re not hitting that mark, you might want to really look at what your skillset is and look at ways that you can start shaving off some time. But bottom line, as an employer looking to hire somebody, that’s what I’m going to expect. If somebody is fresh out of grooming school, you know what? They’re not going to have the confidence to be able to do those numbers right out of the gate. But that’s definitely a target that they should shoot for, whether it be straight out of grooming school, or they’re just learning in an apprenticeship program, or they’re teaching themselves. Don’t beat yourself up.

First you’ve got to master the core skills before you can speed them up. Give yourself a little bit of grace, but work hard and focus on those core skills. That is, how do you bathe effectively? How do you blow dry effectively? How do you get a dog brushed out, combed out so that it’s totally mat-free? How do you clipper efficiently? What type of tools and skills do you need to master to be able to be efficient with what you’re doing?

I have a saying that I want to see a dog be absolutely super smooth in three passes of the clipper or less. If you’re having to go over, and over, and over, and you’re not getting a smooth finish, then you need to look at your technique when you’re dealing with clipper work. If you’re not being able to brush a dog out efficiently, and when I say efficiently, there’s no hardcore rule of how long does it take to brush a dog out, especially if it’s got mats and tangles in it, because every dog is different. Every dog has got a different tolerance level of what they will accept in the brushing department and how tight are those mats and tangles.

You’ve got to take a number of things into consideration, but there’s still shortcuts that you can do. If you’re not letting the products like the shampoo do a lot of the work for you or your high velocity dryer to loosen those mats up, to blow those mats and dead coat out of a dog, there’s a time saving area that you can really focus on. Even though a dog might be super, super matted, it still shouldn’t take that long to get it brushed out. Even if you’re doing a salvage type job where you still have got to trim the dog down, but you’re trying to keep maybe an inch of coat, there’s tricks and techniques like cutting some of that coat off so you’re not having to bathe all of it, or blow all of it out, or to de-mat all of it. There’s a lot of different things that you can do to help really speed up the process.

But when you start looking at enhancing your speed, you don’t want to sacrifice quality. You’ve always got to keep compassion for the pet absolutely at the forefront of everything that you’re doing and to keep the quality so that that client is going to come back and have you work with them again. Because the whole key with professional grooming is building that repeat clientele base. You can work on your speed, you can work on maintaining quality so that those clients come back, and building up a strong client base so that you have a solid foundation to work from. But when I’m looking at people that are really, really productive…

Shoot, we just had a record day at one of my companies, I want to say, just before Thanksgiving. One of the stylists, and she’s a certified master groomer and she’s been doing this for a lot of years, but she did 16 or 17 dogs by herself. Now, I will say she had an assistant, so she had a bather and somebody was helping her get those dogs prepped. But still, to be able to do those types of numbers, you have to be so focused on what you’re doing. You are not looking away from your table. You are not talking to your fellow groomer. You’re not checking your phones. You are absolutely on task, on focus. That dog on your table is what you’re looking at. If you really stay focused, you’re going to be able to build up your speed. Again, you’re not looking to do it overnight. This is a small, incremental, stay focused, stay on task. If right now you’re struggling to get through four dogs, your target should be to get to five dogs. If you’re being able to do five, then look to move to six.

Just take it one dog at a time, one day at a time, but stay focused and help to master those skills so that you, too, are going to be able to comfortably do six or eight or more dogs a day, every single day that you are grooming and you are at your grooming table. That’s going to make you be a really valuable team member if you’re working in a salon situation. Or if you’re are solo flyer, it’s going to help build your business and make sure that you’re going to have the revenues at the end of the week or the end of the month to pay your bills. That’s what professional pet grooming is all about; being able to love what you do and make a living at it.

Melissa’s Top 4 Tips for Getting Through the Holidays

By now, busy salons are bracing for the holiday rush. Thanksgiving. Hanukkah. Christmas. Are you ready?

This isn’t only your busiest season, it’s also the end of the year. It can make or break your earning goals. Will you finish off the year with a bang? Will your books be full for January and February of next year?

I love this time year. It forces us to be on top of our game. To be organized. To be ready. To have our days planned. To keep our communications clear with fellow team members and our customers. To know our limitations.

Most of us who are involved with the pet industry are here because of our passion. We simply love working with the pets. However, even the most passionate groomer can feel the pressures of holiday demands.

If you are one of those professionals who feels the pressures of the Thanksgiving and Christmas crunch, take heart. Get in front of it now and review areas that could use some improvement in the salon.

Here are My Top 4 Tips for Getting Through Your Day with Ease:

#1. Mental Control

Stay focused. Pay close attention to what you are doing at all times. You’re working with live animals and sharp instruments. Chatter between your coworkers and pets breaks your focus. You lose time and you make mistakes when you don’t stay focused on the pet.

Always practice the three C’s; stay calm, stay cool, and stay collected. When you’re working with a pet you want to be friendly but aloof. You want to correct any undesirable action before it becomes a major problem. Frustration and anger have no place in a professional salon setting. If you feel yourself getting frustrated, take a break. Breath. Step back to the grooming table when you have regained your composure.

Work methodically with all pets. Don’t get flustered. Set an even and steady pace when it comes to handling, bathing, drying, brushing, clipping, and scissoring. Set time goals for every step of the grooming process and strive to achieve them.

#2. Invest in Yourself and Your Equipment

What is the condition of your equipment? Are you working with top-quality equipment?

It’s amazing how much time you can save when your equipment is in top condition. Or when you splurge on that new pair of blenders that cut like butter. Or you have a high-velocity dryer that has plenty of punch. Oh, and all of your shears and blades have sharp edges on them — correct? There’s nothing more frustrating than working with dull and ineffective equipment when crunch time is on. Right now you’re in crunch time.

#3. Organization in the Salon

Do you have a smooth process for client check-in and checkout? If you’re computerized, is it easy to pull up client records in a flash? If you’re still working with a card file, are all the records pulled the pets that are scheduled for that day?

Most stylists in a salon setting find working in a minimum of three or four hour blocks of time can be highly advantageous to time management. The more you have to stop to check-in or checkout clients the more you lose your focus on the pet that is on the table. By working in blocks of time, you can check multiple pets in and out in tight windows of time when it comes to dealing with customers.

Do you have a method to track all the collars and leads that accompany the pets? This is no time to be looking for that lost collar or lead! Do you have a bright assortment of those pre-made? Do you have festive bandannas cut and ready to go on the dog?

#4 Mental & Nutritional Stamina

When the rush is on, you need to be at your peak — mentally, physically and nutritionally.

You’re not going to be at your peak if you’re not getting enough sleep. I know … I know. With all the demands between work, family and holiday festivities, slumber can be hard to come by. Normally, a professional groomer is so physically exhausted that when your head does hit the pillow — sleep comes easily. Just make sure you’re getting enough hours each night so you can perform at high levels the next day.

With the holidays upon us, most salons find themselves overrun with holiday treats from their clients. Be careful with this one. Personally I learned the hard way you are not good to feel your best if you consume all those goodies all day long!

I learned in my early 20s to pack healthy food options to keep me nourished all day long. I was mobile so in between every client by reward was to eat. If I had healthy options at my fingertips, it was easy to keep my energy level in high gear. In a salon setting, this might be a little bit more challenging. Still, eating healthy small amounts on a regular basis is the best way to keep you both mentally and physically content.

Pack a nutritional lunch plus snacks. (You know your days are going to be long!) Or do a potluck between staff members. We’ve done this for years at the Paragon School of Pet Grooming with great success. The rule is: Healthy, quick food options only. No sweets. No desserts. Our clients do a great job with that. The potluck is set up so everybody can grab a quick bite in between dogs quickly and easily.

If you’re not a cook – have a stack of local takeout menus available. If they deliver – BONUS!

The holidays are a great time to really test your skills. We’ll find out quickly just how successful you are. If you have a full book and struggling to fit into just one more pet each day, you know you have arrived. Be thankful for creating a service that your customers desire. If you take care of them well — they’ll take care of you. That’s what successful customer service is all about!

Happy trimming!

~Melissa

If you need a brush up on any time management lessons, here are a few titles from Learn2GroomDogs.com that could help you.

How to Survive the Holiday Rush

Need tips on surviving the Holiday Rush? Check out this roundup of links to our archives on the topic.

Remember Self-Care:

Physical Health – You’re an occupational athlete! What does it take to stay in top form?
Food Prep – Plan meals ahead to stay “fueled” for top performance
Mental Health – What helps you destress? Pre-book a relaxing massage or schedule time for relaxing hobbies.
Pace Yourself – Know your limits and when to say no.
Stay Merry – Keep the spirit in the season!

Resources for Surviving the Holiday Rush

From the Archive: Videos at Learn2GroomDogs.com

Preparing for the Holiday Rush with Melissa Verplank

Tails from Holidays Past

Creating Holiday Ornaments on Hip Rosettes

Help Pup Relief Tour International Give the Gift of Grooming Tools

Join the ParagonCares team in helping the Pup Relief Tour advocate for animal welfare and develop the grooming profession in its Africa 2025 Mission! The quest is to outfit 50 grooming students at two developing grooming schools with a complete toolkit to launch their careers. You can participate by either supplying tools directly, by purchasing at the Amazon Wishlist, or donating to the Pup Relief Tour’s GoFundMe campaign linked below. For more information, email [email protected].

Background:

The Pup Relief Tour Africa 2025 is a humanitarian initiative focused on providing essential grooming services to dogs in underserved communities across Africa. It’s mission is to improve the well-being of dogs by providing grooming services.

85% of pet owners in rural African areas report lack of access to professional grooming services, which leads to an increase in skin diseases and infections in pets.
60% of dogs in underserved communities suffer from preventable health issues such as parasites, infections, and matted fur.
The initiative includes establishing two permanent grooming schools for long-term training and education of local groomers in Nigeria and Ghana.
The PRT Team will provide continuous education and certification for local groomers, ensuring sustainability in grooming practices. Students will have access to industry-leading tools, trainers and resources, including partnership with Paragon’s Groominar® Network.

Here’s a List of Tools Needed:

Help the Pup Relief Tour International 2025 Campaign

Paragon is proud to support the Pup Relief Tour’s International grooming initiatives! Here’s a quick peek of what the team is up to in 2025 – scroll through the instagram slides to see ways to support the initiative. Check back soon for details on our tool drive and how your old equipment can help new groomers get started abroad!

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A post shared by Pup Relief Tour Inc (@puprelieftour)

Paragon Now Offers Affirm Pay Over Time

We’re excited to partner with Affirm, giving you the flexibility to pay on your terms. Next time you’re shopping with us, just select Affirm at checkout to split up your purchase into monthly payments as low as 0% APR.

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1. Fill your cart
Select Affirm at checkout, then enter a few pieces of info for a real-time decision.
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Pick the monthly payment plan you like best. You’ll never pay more than you agree to up front.
3. Pay over time
Make payments at affirm.com or in the Affirm app. You’ll also get reminders by text and email.

Frequently asked questions

Here are some common questions that shoppers using Affirm have.

Q: Will Affirm affect my credit score?
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Q: Does Affirm charge interest and fees?
A: We don’t charge any fees. That means no late fees, no prepayment fees, no annual fees, and no fees to open or close your account. Depending on the size of your purchase and where you’re shopping, your payment plan may include interest. You’ll never owe more interest than you agree to on day one—so you always know exactly what you’re getting into.

Q: How does Affirm make money?
A: We earn a commission from businesses, and shoppers pay interest on some items. Unlike credit card companies though, we don’t depend on shoppers paying late or staying in debt. Instead, we try to give them a great experience so they come back and use Affirm again.

Q: What does it mean to prequalify?
A: When you prequalify, you get an estimate of how much you can spend with Affirm. You don’t have to use the full amount, and you’re not on the hook to pay anything back until you actually make a purchase.

DISCLOSURE
Rates from (0-36% APR). For example, a $800 purchase might cost $72.21/mo over 12 months at 15% APR. Payment options through Affirm are subject to an eligibility check, may not be available everywhere, and are provided by these lending partners: affirm.com/lenders. Options depend on your purchase amount, and a down payment may be required. For licenses and disclosures, see affirm.com/licenses.