Payment Plans

Get the curriculum that is the best fit for your children and your budget.

We offer payment plans of 3, 6, 9, or 12 months to help you fit your homeschool curriculum purchase into your monthly budget.

Sonlight homeschool payment plans allow you to spread the cost of your Sonlight curriculum materials over several months at no extra charge; with no additional fees on qualifying orders.

Sonlight Homeschool Curriculum Payment PlansSonlight Homeschool Curriculum Payment Plans

Payment Plan Availability

Payment Plan Length Qualifying Order Value
$499 or History / Bible / Literature Program $799 or All-Subjects Package
3 Months Year-round Year-round
6 Months May 1 - June 30 Year-round
9 Months April 1 - April 30 Year-round
12 Months March 1 - March 31 March 1 - March 31
Sonlight 2020 Payment Plan Availability
$499 or History / Bible / Literature Program
3 Months Year-round
6 Months May 1 - June 30
9 Months Apri l - April 30
12 Months March 1 - March 31
$799 or All-Subjects Package
3 Months Year-round
6 Months Year-round
9 Months Year-round
12 Months March 1 - March 31

Payment Plan Calculator

Why Choose a Payment Plan?

If you feel a squeeze on your bank account, Payment Plans can help loosen that grip. Payment plans can also help you take advantage of SonlightCares™. When you order a complete package up front (instead of buying it in pieces throughout the year), you get serious perks like free domestic shipping and a 10% discount on everything you buy all year.

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

How Does it Work?

If your order qualifies, you may select a Payment Plan option at check out. You pay only 40% of the total cost of goods at the time of shipment. We then spread out the remaining balance over three additional automatic payments — either one payment a month (for the 3-month plan), one payment every other month (for the 6-month plan), one payment every third month (for the 9-month plan), or one payment every fourth month (for the 12-month plan).

Here is an example of how the plans work for an order of $800.

Length of Plan in Months 3 6 9 12
Order Total $800 $800 $800 $800
Down Payment $320 $320 $320 $320
1st Month's Payment $160      
2nd Month's Payment $160 $160    
3rd Month's Payment $160   $160  
4th Month's Payment   $160   $160
5th Month's Payment        
6th Month's Payment   $160 $160  
7th Month's Payment        
8th Month's Payment       $160
9th Month's Payment     $160  
10th Month's Payment        
11th Month's Payment        
12th Month's Payment       $160

After you pay the down payment and we ship your order, the remaining balance is split into 3 automatic 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 automatically make payments at the beginning of June, July, and August.
  • For the 6-month plan, your payment is charged to your credit card every other month. After your down payment, 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 automatically make payments at the beginning of July, September and November.
  • For the 9-month plan, your payment is charged to your credit card every third month. After your down payment, 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 automatically make payments at the beginning of July, October and December.
  • For the 12-month plan, your payment is charged to your credit card every fourth month. After your down payment, 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 120 days thereafter. For example: If you order March 1st, you'll pay the down payment then and automatically make payments at the beginning of July, November and March (of the following year).

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 Payment Plan option—a flexible way to purchase your homeschool curriculum materials.

How to Select a Payment Plan

1. At checkout, under Payment Method, select Credit Card.

Payment Plan select Credit / Debit Card

2. Click the Use Payment Plan checkbox.

Use Payment Plan Checkbox

3. Click the checkbox Yes, I want to pay for this order with 40% down...

I want to use a Payment Plan

4. Select a Payment Plan Length and click the CREDIT CHECK button. Your credit score must be verified before you can go on to purchase. You must click the CREDIT CHECK button for us to verify your credit before you place your order.

I want to use a Payment Plan

Many years ago, someone gifted me with History / Bible / Literature F and I fell in love with Sonlight. But it was not in our budget to continue. A few years back, you started the payment plan, and this is what made it possible for us.

This is our 16th year, and I own tons of other resources. But when we ordered level D, I was so hooked. WOW! Now I look forward to it every day. Oh, the stories! And how engrossed we become in them! I have mapped out the rest of the kids' years with Sonlight and am excited about what is yet to come. I am so thankful for Sonlight and for the payment options.

~Julie S

 

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

  1. If your order totals $499 or more, you may qualify for a payment plan until the posted expiration date listed in the table above. The 6- and 9-month payment plans are available for All-Subjects Packages or orders of $799 or more year-round.
  2. To Qualify:
    1. We will submit a Credit Check via Transunion on your account. (Please note: Submitting a credit check may cause your credit score to change just by virtue of the credit check. To qualify for a payment plan, Sonlight will check your FICO 04 credit score as a hard hit. If you are unwilling for us to complete a credit check, do NOT complete the Payment Plan request.) To learn how an inquiry may or may not impact your credit score, please refer to www.myfico.com/credit-education
    2. Qualification for a Payment Plan is dependent on successfully obtaining a credit score that meets or exceeds the credit threshold we have established (620 or higher). 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 make exceptions for Payment Plans if credit scores we receive 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, we will make no exceptions.
  3. Payment Plans are offered for United States and Canada orders only.
  4. If your credit card declines on three separate installments during your Payment Plan, we will not be able to offer a new Payment Plan until 18 months after your final payment is received.
  5. Limit: one Payment Plan at a time per customer.
  6. If you default on a Payment Plan, you will no longer be eligible to receive a Payment Plan in the future even if you do pay the owed amount at a later date.
  7. You cannot use a gift card, apply rewards points or referral discounts to an order you wish to purchase on a payment plan.

FAQs

Q. How do I update my payment information?
A. You can update your payment information from you My Account page. Your Orders tab has a Payment column. Click the Update link.

Q. Can I pay off my Payment Plan early?
A. Yes. Please contact us and we will be happy to assist you with that.

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