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What Is The Financing Offers?

If you're considering getting a metal detector, but don't have the cash or credit available to pay for one right now, you may be thinking about other financing options. We offer one of the best financing programs in the industry. 

We have partnered with the best financing companies to give you the best chance of qualifying for credit. You will be required to apply for financing. You will fill out a credit line application. You are subject to credit approval. has no control over the financing decision. This is solely the lender's decision based on your creditworthiness. 

You'll usually get a decision within seconds and be able to purchase that brand new metal detector of your dreams right from our website shipped directly to your door as fast as 3-10 business days.  You have three options for financing: Klarna, Shop Pay and Payal.


Option 1: Klarna

What types of financing options does Klarna offer?

We also offer Klarna Financing, which allows you to pay back your order total over a couple of months.

Available are 6, 12, 18, 24, and 36-month terms, which will depend upon your order total.

This option is not interest free and interest rates are determined at the time of checkout after review of your information and a soft pull of your credit history.

Interest rates can vary from 0-24.99%. Typically Klarna Financing is available for orders within the ranges of $149-$10,000.

To learn more about Klarna Financing you can visit here:

How to use Klarna for your order?

  1. On product page select Add to Cart.
  2. On cart page select Secure Checkout.
  3. Fill out form with your personal information.
  1. Select Continue to shipping method.
  2. Select your preferred Shipping method.
  3. Select Continue to payment method.
  4. Select Buy now, pay later with Klarna.
  5. Select Complete Order.
  1. Select preferred monthly payment options that are available. (Please note that monthly payment options are dependent on your cart balance and what Klarna decides to offer, we cannot change the financing options)
  1. Click Place Order.
  1. Fill out form.
  1. Click Continue. 
    1. Know instantly if you are approved for financing with Klarna.
    2. Receive a confirmation email outlining your purchase, due date(s), and other useful information once your product ships out.
    3.   Contact Klarna customer service at any time with questions about your purchase, or contact or 1 (800) 871-0285 if you have any questions. We are happy to help! :)


Option 2: Shop Pay 

What installment options does Shop Pay offer?

When checking out with Shop Pay, you now have the option to pay now or later. Paying in installments on Shop Pay allows you to split your purchase amount into 4 equal, biweekly installment payments—with 0% APR interest, no hidden or late fees, and no impact on your credit score.* In some instances, your first payment is due when you make your purchase; otherwise, your first payment is due 2 weeks after your purchase. 

You have the option to pay for orders between $50 and $17,500 USD, including discounts, shipping and taxes, in 4 installments. To use Shop Pay Installments, your shipping address needs to be in the United States. 

Rates from 0%-36% APR. Payment options through Shop Pay Installments, are subject to an eligibility check and are provided by these lending partners: Options depend on your purchase amount, and a down payment may be required. State notices to consumers

How It Works:

  1. Add items to your cart.
  2. Check out with Shop Pay.
  3. Choose to pay in 4 installments.

Your first payment is either due at checkout or 2 weeks after your purchase. The next 3 remaining installments are automatically charged to your card saved on Shop Pay every 2 weeks. Don't worry, you'll get an email reminder before each payment to remind you.

Buy now, pay later with Shop Pay

When you choose Shop Pay at checkout, you can split your purchase into 4 equal, 0% APR interest installment payments - with no additional, hidden, or late fees.*


FAQs about Shop Pay Installments

Are there late fees?

No, there are no late fees if you miss a scheduled payment.

What if I make a return on a purchase made through Installments with Shop Pay?

If your refund amount is less than the amount remaining on your Shop Pay Installments balance, then you can expect one or both of the following:

  • A smaller payment balance on the final payment
  • Less future payments on the remaining loan balance

If your refund amount is more than the amount remaining on your Shop Pay Installments balance, then you can expect to receive the difference as a refund to your original debit card or credit card payment method within 3 to 10 business days.

Which payment methods are accepted if I use the option to pay Installments on Shop Pay?

The installments option on Shop Pay is available on debit and credit cards.

Have more questions?


Option 3: Paypal

What types of financing options does Paypal offer?

The world-renowned recognized and respected leader in financing, PayPal, has offered customers of Modern Metal Detectors an exclusive deal to get financing for any metal detector over $99. NO INTEREST IF PAID IN THE FULL WITHIN 6 MONTHS! 



PayPal Credit is a reusable credit line available on purchases at thousands of stores that accept PayPal. It's also available for purchases on eBay and exclusively at thousands of other online stores. Plus, it comes with the same security and flexibility you trust from PayPal.

If applying for Paypal Credit you will need to have a Paypal account or create one. If you don't know how to create one check out this wikihow article: How To Set Up A Paypal Account

PayPal Credit is subject to credit approval as determined by the lender, Comenity Capital Bank, and is available to US customers who are of legal age in their state of residence. Promotional offers may not be available for purchases made on a mobile device.

The financing lasts for 6 months and is only valid on approved credit. 

How Do I Apply for Paypal Financing?


(Please read the entirety of the instructions before you email or call. The next step may answer the question you have about the steps before it.)


  1. Choose the product you want to purchase.


  1. Click the ADD TO CART button on the product page:


  1. Click the CHECKOUT button:


  1. Fill in your information:


  1. Click the CONTINUE TO SHIPPING METHOD button:


  1. Choose your shipping method.


  1. Click the CONTINUE TO PAYMENT METHOD button:


  1. Choose PAYPAL option:


  1. Click the COMPLETE ORDER button:


  1. A pop will be displayed on the screen that will redirect you to PayPal, if you have a pop-up blocker make sure to disable it. You will need to sign into Paypal if you haven't. If you don't have a PayPal account you will need to create one. 

If you don't know how to create one check out this wikihow article. How To Set Up A Paypal Account.


  1. Click APPLY NOW button: (hover your mouse over Apply Now)


  1. You will be prompted to fill in your information:
  • Billing & shipping address
  • Your date of birth
  • Last 4 digits of your social security
  • Phone number


  1. Click NEXT


  1. Read PayPal's Credit Terms & Conditions:




  1. You will receive an instant approval:




  1. You will receive an instant denial. Modern Metal Detectors has no control over the financing decision. This is solely the lender's decision based on your creditworthiness.