Three plans on every order, including interest-free ones. Pick yours in the payment step, and your detector ships on the normal schedule rather than when the last payment lands.
Your own payment amounts sit on every product page, under the price. Each provider works them out from your cart and its own check.
Which one should you pick?
All three run their approval check inside checkout, so it takes about a minute either way. The difference is how long you get and whether interest can apply.
| Option | How it splits | Length | Interest | Best for |
|---|---|---|---|---|
|
4 equal payments, every 2 weeks | 6 weeks, or 6 to 12 months on larger orders | None on the 4-payment plan, 0% to 35.99% APR on monthly plans | Coils, pinpointers and mid-range detectors you want cleared fast |
|
4 equal payments, or monthly on larger orders | 6 weeks, or up to 12 months | None on the 4-payment plan, 0% to 36% APR on monthly plans | Anyone who already checks out with Shop Pay and wants one less signup |
|
Monthly payments over 3, 6 or 12 months | Up to 12 months | 0% to 36% APR, set by Affirm and shown up front | Flagship machines where a smaller monthly payment matters more than finishing quickly |
How to use each one at checkout
You pick the plan inside checkout, not before. Build your cart the way you normally would.
Your order split into four payments over six weeks.
- Add your metal detector to your cart on DetectorWarehouse.com
- Click the green Checkout button
- Select Afterpay under the payment section
- Click the red Pay Now button
- Pay the first quarter today, then one every two weeks
The four-payment plan charges no interest. Late fees can apply if a scheduled payment misses. On bigger carts Afterpay may show a 6 or 12 month plan instead, which does carry interest.
Installments built into the Shop Pay wallet you may already use.
- Add items to your cart
- Check out with Shop Pay
- Choose the option to pay in installments
- Pay the first installment at checkout
- The rest is charged automatically to your saved card
You get an email reminder before every payment, so nothing is charged without warning.
Monthly payments over 3, 6 or 12 months, with 0% APR offered on shorter terms.
- Add your metal detector to your cart on DetectorWarehouse.com
- Click the green Checkout button
- Select Affirm under the payment section
- Click the red Pay Now button
- Choose 3, 6 or 12 monthly payments
Affirm shows the rate, the schedule and the full total before you confirm, so nothing is a surprise.
Before you check out
Your detector ships on schedule
Shipping runs on our normal timeline once the order is approved. You are not waiting for the final payment.
We add nothing to the price
Detector Warehouse charges no fee for using any of these plans. The price is the same as paying by card.
Declined by one, try another
Each provider runs its own eligibility check. If one comes back declined, back up in checkout and pick a different option.
Bundle it into one order
Financing applies to the whole cart, so put the coil, the pinpointer and the pouch in with the detector.
Financing questions we get asked
The ones that come up most on the phone. If yours is not here, the form below reaches us directly.
Open the detector you want. Under the price you will see the payment amount each provider is offering, worked out by the providers themselves. Add the detector to your cart and the full schedule appears at checkout before you commit to anything.
Afterpay and the Shop Pay four-payment plan use a soft check that does not affect your score. Affirm also uses a soft check to show your options. Longer Affirm terms may be reported to a credit bureau, and Affirm tells you before you confirm.
As soon as the order is approved and processed, exactly like a card order. You do not wait for the payment plan to finish.
Not from us. Every four-payment plan is interest free. Monthly plans are where interest can appear: Affirm and Shop Pay Installments run 0% to 36% APR, Afterpay runs 0% to 35.99% APR, and your rate comes from their check, not from us. Nothing is guessed at: the rate, the payment and the full total are on screen before you agree.
Yes. The plan applies to your full cart total, so a detector, a coil, a pinpointer and a digger can all go on one plan.
Start the return with us as usual. Once the refund is issued, the provider adjusts or cancels your remaining payments and refunds anything already paid.
Approval is decided by the provider, not by Detector Warehouse, and depends on the order total and your history with them. A different provider will often approve the same cart, so it is worth trying another option in checkout.
Still not sure which plan fits?
Tell us the detector you are looking at and what you want your payments to look like. We will point you at the option that makes the most sense.
We cannot see your approval odds or set your rate, only the providers can do that. What we can do is help you work out which plan suits the machine you want and what to expect at checkout.
Ready to pick your machine?
Choose your detector first. Your payment options appear under the price, with the amounts already worked out.