Garden Tower® Payment Options

We accept all major credit cards, PayPal, Amazon Payments, Google Pay,  ApplePay and Shop Pay

In addition, we now have 3 payment plan options you can use for purchases of $99 or more!


PayPal Credit offers a same-as-cash, 0% interest for six month financing option. There is no cost for the financing if you pay the minimum monthly payments and pay it off, on or before the six months. If not, you can utilize the financing and interest charges will apply. 

To utilize PayPal Credit , Please use this link for PayPal Credit. to determine if you are eligible.  Decisions are made in seconds.  To determine if you qualify, PayPal may perform a soft credit check. This eligibility check has no impact to credit score or show up as a hard inquiry on your credit report.  If you decide to apply for PayPal credit, then a credit check will be performed. 

After approval, return to,  ensure your items and coupons are in your cart and simply click PayPal at the top of the screen under Express Check Out.  Log in to your PayPal account if you are not already, Click PayPal Credit as your payment method and then complete purchase.

Pay in 4 is now available via PayPal.  Split your payments into 4 - one every 2 weeks after initial payment.  It's interest free, has no impact on your credit score and is backed by PayPal. You can read more about it here

It is safe, simple, and secure! 

shop pay logo


Shop Pay offers you the option to pay in full at checkout, or to split your purchase into 4 equal installment payments. You can't adjust the number of installment payments or the price range available for Shop Pay Installments.

You have the option to pay for orders between $50 and $3,000 USD, including discounts, shipping and taxes, in 4 installments. To use Shop Pay Installments, your shipping address needs to be in the United States. 

Fees or penalties

There are no additional charges, interest rates, or late fees. You can pay your balance off early without penalty. However, if you make a partial payment or late payment, then future applications to use Shop Pay Installments might be affected.

Credit scores and eligibility

Your credit scores aren't affected if you use Shop Pay Installments. However, if you don’t pay an installment, or you make a late payment, then your eligibility for making purchases using Shop Pay Installments in the future might be affected.

Restricted items

There are some items that you can’t use Shop Pay Installments to purchase, including, but not limited to:

  • Cash advances
  • Illegal items and activities
  • Weapons, including parts and accessories
  • Narcotics
  • Regulated products such as alcohol, tobacco, or drug paraphernalia
  • Currency, including cryptocurrency
  • PayPal, Venmo, and other money transfer services
  • Loan and credit card payments


Terms of Service

Learn more about Affirm’s terms of service or Shop’s terms of service

Affirm is the originator and servicer of Shop Pay installments, but payments are managed in your Shop Pay account.



Klarna offers up to 2 payment options 

Pay Later in 4 interest free payments – instant approval. Your first payment is due the day of purchase then split the rest over interest-free payments debited every 2 weeks from the payment source you entered.  0% APR

6 or 12 Month financing option – checking eligibility has no impact to credit.  APR varies from 0%-29.99% depending on credit.  Subject to a potential $2 monthly minimum interest charge and credit terms. Accounts are issued by WebBank.

If you would like to use either of the Klarna options, ensure all items are in your cart and any discount codes have been applied, then during checkout choose “Buy now, Pay later with Klarna”, click Complete Order and you will be redirected to the Klarna site where you can review your options and continue with order or choose  Change Payment Method to go back to the payments screen.