Refresh Yourself Now, and Pay Later with Interest-Free Financing

Whenever you need the perfect temperature, say YES with confidence - knowing you can pay at your own pace, and not a penny more than your purchase price. Seriously.

Pay Over Time For Orders >$99

Enjoy Zero Interest if paid in full in 6 months with PayPal Credit

How do I use Financing on

Cart Preview Page on Pioneer Mini Split website, showing a mini split heat pump 12,000 BTU in the cart

Head to Checkout

Add your desired products to your cart, and select checkout on your cart once you are ready.

Shipping Information Submission form during Pioneer Mini Split checkout process

Enter Shipping Information

Provide us with your shipping details and then proceed to the payment options screen.

Pioneer Mini Split order preview page, selecting a financing option out of Affirm, PayPal Credit, or SplitIt Monthly Payments

Select Payment Plan

On the payment screen, select your desired financing. Pioneer provide options for Affirm or PayPal Credit.

Frequently Asked Questions

Yes! There’s no penalty for paying early.

No—your credit score won’t be affected when you create an Affirm account or check your eligibility. If you decide to buy with Affirm, this may impact your credit score. You can find more information in Affirm’s Help Center.

You can make or schedule payments at or in the Affirm app for iOS or Android. Affirm will send you email and text reminders before payments are due.

Yes—you can return an item you bought with Affirm by initiating the return process with the store.

Yes, you’ll need a mobile phone number from the U.S. or U.S. territories. This helps Affirm verify it’s really you who is creating your account and signing in.

You can visit their website at