Eligibility for installment payments on Tiptop

When you check out with Tiptop you are offered checkout options depending on several factors including a soft credit check that does not affect your ongoing credit, eligibility requirements, your individual history, and individual store policies. 

All Tiptop customers must:

• Be a resident of the U.S. (including U.S. territories)
• Be at least 18 years old or 19 if you are a ward of the state in Nebraska
• Own a phone number that receives SMS and is registered to the United States or U.S. territories

Access to installment payments like pay-in-4 may be affected by any or all of the following:

• Your credit score
• Your credit utilization
• Your payment history with Tiptop
• Store policies

Approval criteria vary by store and are subject to change, including:

• The payment options offered by the store
• The store's minimum requirement or maximum allowable amount allowed