Modern HVAC units, including mini-split air conditioning, displayed alongside a digital payment plan interface, highlighting flexible financing options for an easier purchase experience.

What is Shop Pay ?

Shop Pay is a financing plan that offers 0% interest-free payments for up to 12 months and monthly installments with interest for up to 24 months on all MRCOOL Complete System Purchases.

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financing options up to 24 months

Buy Now, Pay Later

You now have the option to purchase your HVAC systems and pay later!

MRCOOL DIY Direct offers two of the top financing programs in the United States. Use either Affirm or Klarna to finance your purchase with rates as low as 0% APR.

Pay with Shop Pay Installments when you check out

Checking Rates On Shop Pay Installments will not impact to your credit score!

  • 1. Add items to your cart.
  • 2. Check out using Shop Pay.
  • 3. In the Payment method section, select Pay in installments and tap Continue to payment plans.
  • 4. Verify any requested information and select your preferred payment plan.
  • 5. Select a card to use as your payment method. 

Note: Monthly payments up to 24 months require a debit card.

Credit cards are only accepted as payment methods on installment plans of 4 bi-weekly payments.

  • 6. Confirm your billing and shipping information is correct. Note: Your address needs to be in the United States.
  • 7. Click Continue.
  • 8. If required, enter the 6-digit code sent by Shop Pay to your phone. 
  • 9. If you agree to the terms, select the Agree checkbox and then complete your purchase. 
  • 10. Your finished, your system will arrive at your location in the next 4-6 days!

Note: If you don’t agree to the terms and conditions, then you can’t pay using Shop Pay Installments.  


After you select Shop Pay Installments, review your purchase. Your payment schedule will be determined by the installment option you select, and you’ll get an email reminder before each payment is charged in case you want to change your payment method.

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How to Use Klarna at Checkout: Step-by-Step Guide

Shop for Your Products
Browse our site and add the items you want to your cart.

Proceed to Checkout
Once you're ready, click on your cart and proceed to the checkout page.

Select Klarna as Your Payment Method
At checkout, choose Klarna as your preferred payment option.

Complete Your Klarna Application
You'll be redirected to Klarna's platform. Follow the simple steps to create an account or log in, then review your financing options.

Choose Your Payment Plan
Klarna will offer several payment plans, such as paying in installments or deferring your payment. Select the option that works best for you.

Finalize Your Purchase
Confirm your Klarna financing and complete your order. You’ll receive an email from Klarna with your payment schedule.

Enjoy Your HVAC System!
Your order will be processed, and you can enjoy flexible payments while receiving your products.

Take your time to pay with Klarna! Spread out your payments for easy, budget-friendly installments, making it easier on your checking account

It’s that easy to shop now and pay later with Klarna!