Time Payments

For the curriculum and discounts you want, use our payment plans at no extra charge

We realize that paying for homeschooling curriculum can be daunting at times. So in order to serve you better, we allow you to pay for your Sonlight materials over 3, 6 (ONLY available in April, May, and June), or 9 months (Only available in April) at no extra charge.

Time Payment Updates

The following changes are effective immediately for new orders:

• You pay no fee for the Time Payments Option. Sonlight now charges no fee and no interest on new Time Payment plans. You can spread the flat cost of your purchase over several months.
• Your payment options include:
  • A 3-month plan with 25% down and 3 monthly payments. This option is available year-round.
  • A 6-month plan with 25% down and 3 payments every two months. This option is ONLY available for orders placed in April, May, and June.
  • A 9-month plan with 25% down and 3 payments every three months. This option is ONLY available for orders placed in April.

Why choose Time Payments?

If you feel a squeeze on your checkbook, Time Payments can help loosen that grip. They help you get the best curriculum for your children and fit your budget. Time Payments can also help you take advantage of Core Club Membership benefits. When you order a complete Core or Multi-Subject Package up front (instead of buying it in pieces throughout the year), you become a Core Club Member and get serious perks like free domestic shipping and a 10% discount on everything you buy all year (including your Core or Multi-Subject Package).

You don't pay any more than you would if you paid everything up front. But you still get to celebrate a big Box Day and have all your curriculum ready to go from day one.

How does it work?

If your order totals $399 or more, you may select a Time Payments option at check out. You pay only 25% of the total cost of goods at the time of shipment. We then spread out the remaining balance over three additional payments—either one payment a month (for the 3-month plan), one payment every other month (for the 6-month plan, which is ONLY available for orders placed in April, May, and June), or one payment every third month (for the 9-month plan, which is ONLY available in April).

Here is an example of how the plans work for an order of $500.

After you pay the down payment and we ship your order, the remaining balance is split into 3 payments:

• For the 3-month plan, your payment is charged to your credit card every month. The first charge comes approximately 30 days (no less than 30 and no more than 40 days) from the shipment date, and then approximately every 30 days thereafter. For example: If you order May 1st, you'll pay the down payment then and make payments at the beginning of June, July, and August.
• For the 6-month plan, available ONLY April through June, your payment is charged to your credit card every other month. After your downpayment, your next charge comes approximately 60 days (no less than 60 and no more than 70 days) from the shipment date, and then approximately every 60 days thereafter. For example: If you order May 1st, you'll pay the down payment then and make payments at the beginning of July, September and November.
• For the 9-month plan, ONLY available in April, your payment is charged to your credit card every third month. After your downpayment, your next charge comes approximately 90 days (no less than 90 and no more than 100 days) from the shipment date, and then approximately every 90 days thereafter. For example: If you order April 1st, you'll pay the down payment then and make payments at the beginning of July, October and December.

We keep you informed along the way, by email, so you'll know exactly what happens when.

As you continue your Sonlight adventure, consider using our Time Payments option—a flexible way to purchase the Sonlight^® products you really want and need!

Notes (a.k.a. "the fine print")

1. Qualification for a time payment plan is dependent on successfully obtaining a credit score that meets or exceeds the credit threshold we have established. Your credit score is based on information about your credit experiences, such as your bill-paying history, the number and type of accounts you have, late payments, collection actions, outstanding debt, and other criteria. Please Note: In order to offer these terms, we cannot and will not make exceptions for time payments if credit scores do not meet the credit threshold we have established. We regret we are unable to make exceptions and do understand that your circumstances may be unusual or difficult. However, in order to be consistent and ensure compliance with credit terms and conditions, no exceptions will be made.


2. Also, please note that because Sonlight must verify your credit score, approval for a Time Payment option may take up to one business day. Our credit check will appear on your credit reports as a "new inquiry." Typically, this alone will not affect your credit score; however, you should be aware that numerous credit check inquiries from one or more sources within a relatively short period of time may cause a slight drop in your score.


3. Time Payments are offered for online orders placed in the United States and Canada only.


4. If your credit card is declined three times throughout your use of Time Payments, you will have to wait 2 years before you can be eligible for another Time Payment plan.


5. Limit: one time payment at a time per customer.


6. NOTE: The 6-month payment plan is available only in April, May and June.


7. NOTE: The 9-month payment plan is only available in April.