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Flexible Financing

An outdoor kitchen is a big-ticket purchase, and paying for it all at once is not always how it needs to work. BetterPatio offers Shop Pay Installments at checkout, so you can spread the cost over time and still get your build moving this season.

At a glance

Buy now, pay over time — with no application fees and no hidden charges

  • Choose Shop Pay Installments at checkout on eligible orders
  • See your available plans, payment amounts and any interest before you confirm
  • Checking your options does not affect your credit score
  • Financing is provided by Affirm, Shop Pay's lending partner

How it works

Four steps, all inside the normal checkout. There is no separate application to fill out on our site.

  1. 1

    Fill your cart

    Add your island, grill, fire feature or furniture and head to checkout as usual.

  2. 2

    Choose Shop Pay

    Select Shop Pay, then pick the installments option instead of paying in full.

  3. 3

    Review your plan

    Shop Pay shows the plans you qualify for, the payment amount and any interest up front.

  4. 4

    Confirm and relax

    Your order is processed immediately and ships on its normal schedule. Payments are managed in the Shop app.

What you can finance

Installments are available on eligible orders across the store — including the big ones we are best known for.

Outdoor kitchens & BBQ islands

Complete prefabricated and modular islands, ready to ship.

Grills & appliances

Built-in grills, side burners, refrigeration, pizza ovens and storage.

Fire & heating

Fire pits, fire tables, fireplaces and patio heaters.

Outdoor living

Furniture sets, shade structures and everything around the kitchen.

Good to know before you check out

  • Eligibility is decided at checkout. Available plans depend on the order total and Affirm's approval, so the exact terms you see are specific to your order.
  • Rates and terms are shown up front. You will see the full payment schedule, and any interest, before you confirm anything.
  • Your order is not delayed. Financed orders are processed and shipped on the same timeline as any other order — see Shipping & Returns.
  • Custom builds are quoted first. If you are working with a designer on a custom kitchen, we build your quote first and then send you a checkout link you can finance the same way.
  • Returns work normally. An approved refund is credited back against your installment plan. Custom and made-to-order items are non-returnable — the details are in Shipping & Returns.

Shop Pay Installments is offered through Affirm and is subject to eligibility. Payment options depend on your purchase amount and are presented to you at checkout. BetterPatio does not make credit decisions and does not see your application. For current terms, see Shop Pay Installments.


Planning a full build?

Tell us about your space and a designer will spec the equipment, price it to the dollar and show you a free 3D rendering before you spend anything. Then you can decide how you want to pay for it.

Financing questions

Does checking my options affect my credit score?

No. Seeing which plans you qualify for at checkout does not affect your credit score. Affirm may perform a further check if you go on to accept a plan, and their terms explain exactly what happens.

Is there a fee to use Shop Pay Installments?

There are no application fees and no late fees from Shop Pay Installments. Depending on the plan you choose, interest may apply, and it is always shown to you before you confirm the order.

Can I finance a custom outdoor kitchen?

Yes. Custom builds are quoted by a designer first. Once you approve the quote we send you a checkout link, and Shop Pay Installments is available there the same way it is on a normal order. Start a custom build.

What happens to my payments if I return something?

An approved refund is credited back against your plan and your remaining payments are adjusted. Return eligibility follows our standard policy in Shipping & Returns; custom and made-to-order items cannot be returned.

Do you offer business, government or tax-exempt terms?

Yes. We handle purchase orders, net terms and tax-exempt purchasing for businesses, schools, municipalities and hospitality projects. Contact us and mention your organization type.

Where do I manage my payments?

In the Shop app, or at shop.app, under your Shop Pay account. BetterPatio does not process or hold your installment payments.