Financing — Affirm, Klarna, Splitit, Synchrony Financial — which and how?

At $2k+ AOV, financing is the difference between cart-abandon and conversion. Use multiple, not one — each customer prefers a different option.

• Affirm — 12 / 24 / 36-mo, 0–30% APR, soft credit pull pre-qualification. Customer sees their per-month price on the PDP before they apply (e.g. “$87/mo with Affirm”) — this lifts conversion 18–30%. Official Magento extension. Best for $1k–$8k AOV.
• Klarna — Pay-in-4 (free, short-tail) + 6/12/24/36-mo financing. Pay-in-4 covers the “I want it but cash flow is tight” cohort. Klarna also surfaces on PDP with per-month price. Magento extension native.
• Splitit — uses the customer’s existing credit limit, no new credit pull, no interest. Best for $5k+ commercial-grade orders where customers don’t want a new credit account but have spare credit-card capacity. Underrated for B2B / contractor sales.
• Sezzle — 4-pay, no credit pull. Cheapest fee structure (~6% merchant fee). Lower customer credit bar — useful for the under-$1k AOV cohort.
• Synchrony Financial — private-label store card, deferred-interest promos (e.g. “12 months no interest if paid in full”), gym-specific. Underwrites the customer directly — you get paid Day 1, customer pays Synchrony over 12 months. Best for $3k+ AOV and customers who want a recurring relationship.

All five wire to Magento via official extensions. The PDP shows the per-month price (“From $87/mo with Affirm”) which conversion-lifts 18–30%. Checkout shows all five as gateway options.