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Belle accepts Affirm and Klarna at checkout so you can split your purchase into monthly payments. Both options let you check eligibility without affecting your credit score. New orders apply at checkout; refills use a reapply banner in your portal 2–3 days before your next charge. FSA and HSA payments are also accepted — see the dedicated HSA/FSA article for details.

First order: Choose Affirm or Klarna at checkout on your intake form. You'll complete the application in one step and see your approval decision before finishing your order.

Renewing, and haven't saved a payment method yet: If you'd like to use Affirm or Klarna for your renewal, just know we're not able to hold or charge a Buy Now, Pay Later payment ahead of time — you'll get an email a few days before your renewal reminding you to log in and complete payment then.

Renewing, and you paid with Affirm/Klarna last time: You'll get an email shortly before your renewal inviting you to sign in and either add a payment method or check out again with a new Affirm/Klarna session. You can also start this directly from the Treatment page for your upcoming renewal.

Renewing, and you have a saved card on file: You'll be able to charge that saved method, update it, or choose a different way to pay for this order.

Renewing, and you've only ever paid with Affirm/Klarna: You can pay now, or save a card for automatic renewals going forward.

Good to know about Affirm & Klarna:

Affirm and Klarna can't be saved to your account the way a card can — each time you use one, you'll complete a new application through the provider, and the payment is charged right away (we're not able to hold it until your renewal date). You're always welcome to pay a renewal early. If you'd prefer your renewals happen automatically without any action from you, we recommend saving a card or other supported payment method.

Affirm: Split your purchase into monthly installments, with rates based on credit and eligibility. Plans as low as 0% APR for up to 6 months on qualifying purchases, and no late fees.

Klarna: Split your purchase into 4 interest-free payments, or pay in 30 days. Most plans have no impact on your credit score.

FSA/HSA: Accepted, though not every plan qualifies. See "Can I use my HSA or FSA to pay for Belle?" for what to do if your card is declined, how to get a receipt, and how to request a letter of medical necessity.

Other payment methods: Standard credit and debit cards are accepted for payment in full at checkout.

Please note: we're currently unable to accept multiple cards for a single checkout.

Belle accepts Visa, Mastercard, and American Express, as well as Klarna and Affirm at checkout. FSA and HSA payments are also accepted.

No. Belle does not work with or accept any insurance. Treatment is paid for directly, using any of the payment methods above.

This includes Medicare and Medicaid. Belle does not participate in Medicare, so there is no Medicare coverage and no Medicare "bridge" or other government insurance option through Belle. Treatment is paid for directly, with any of the payment methods above.

We're not able to accept CareCredit. Accepted options are Visa, Mastercard, American Express, HSA/FSA cards, and Affirm or Klarna at checkout.