Payment Options at Habeshapros

At Habeshapros, we are committed to making our services accessible to all students by offering flexible payment options tailored to diverse financial needs. Below is an overview of the payment methods available:

1. Pay in Full (One-Time Payment)

For those who prefer to settle the entire course fee upfront, we accept secure one-time payments via major debit and credit cards.

2. Flexible Payment Plans

We understand that upfront payments may not be convenient for everyone. That’s why we’ve partnered with reputable payment providers to offer flexible monthly payment options. The following are examples based on typical course prices (actual amounts may vary):

  • 36-Month Plan: Low monthly payments with a competitive APR.
  • 12-Month Plan: Manageable monthly installments with a standard APR.
  • 6 Interest-Free Payments: Divide your total into six equal, interest-free payments.

3. Cash App Pay

For those who use Cash App, we offer the option to securely pay using your Cash App account. This is a quick and seamless way to make payments directly through the app.

4. Additional Buy Now, Pay Later (BNPL) Options

We also collaborate with other trusted BNPL providers to offer flexible payment options:

  • Afterpay: Split your purchase into four interest-free installments, paid bi-weekly. Approval is fast, and no credit check is required for most purchases.

  • Klarna: Offers various payment plans, including "Pay in 4" (interest-free) and longer-term financing options with interest. Approval involves a soft credit check for Pay in 4 and a hard credit check for extended financing plans.

  • Affirm: Choose from multiple payment plans, including interest-free options or monthly installments with competitive APRs. Affirm performs a soft credit check to determine eligibility, which does not impact your credit score.

Approval Requirements for BNPL Services

Please note that approval criteria may vary among providers:

  • Afterpay:

    • No credit check required; approval is based on factors like the purchase amount and repayment history with Afterpay.
    • Initial payments may be required at the time of purchase, especially for new users.

  • Klarna:

    • Performs a soft credit check for Pay in 4 options, which does not affect your credit score.
    • Longer-term financing may involve a hard credit check and is subject to credit approval.

  • Affirm:

    • Conducts a soft credit check for prequalification, which does not impact your credit score.
    • Approval considers factors such as credit score, payment history, and the purchase amount.

Important Considerations

  • Interest Rates and Fees: Some BNPL options may charge interest or late fees. It’s essential to review the terms and conditions of each provider before selecting a payment plan.
  • Credit Impact: While some providers perform soft credit checks, others may conduct hard inquiries, which can affect your credit score. Additionally, missed payments can be reported to credit bureaus, potentially impacting your credit history.

We encourage you to choose the payment option that best aligns with your financial situation. For further assistance or inquiries about our payment plans, please contact us at [email protected].

Note: The availability of specific payment options may vary based on the course selected and individual eligibility.