At KSC Law, we know that unexpected legal issues can create financial stress. To help make quality representation more accessible, we offer a “Pay Over Time” option for eligible clients through Clio Payments, powered by Affirm. This allows you to spread your legal fees into predictable monthly payments while we receive our fees upfront.

“Pay Over Time” is a financing option offered by Affirm, integrated with KSC Law’s online payment system (Clio Payments). Instead of paying your entire legal fee at once, you may be able to break it into smaller, scheduled installments that better fit your budget. Clio

Affirm is a third-party financing provider—KSC Law does not make or service these loans.

1. Receive your invoice from KSC Law
   We’ll send you a secure online invoice via our Clio Payments system.
    
2. Choose “Pay Over Time” at checkout
   When you click the payment link, you may see “Pay Over Time” by Affirm as one of your payment options.
    
3. Complete a short online application
   You’ll be taken to Affirm’s application flow, where you’ll enter a few pieces of information. Affirm then performs a quick eligibility check and provides a real-time decision. Clio
    
4. Select your payment plan
   If approved, you’ll be able to review several installment options—typically with terms ranging from a few months up to several years, depending on eligibility and purchase amount. Rates are generally shown as an annual percentage rate (APR), and there are no late fees charged by Affirm. Clio
    
5. Make payments directly to Affirm
   Once you confirm your plan, KSC Law is paid in full by Affirm, and you make your scheduled payments to Affirm via their website or mobile app. Clio
    

• More flexibility
  Spread your legal fees over time, so you can move your matter forward without paying everything at once.
   
• Upfront clarity
  Affirm displays the total amount you’ll repay before you accept the plan—no hidden fees and no late fees from Affirm. Clio
   
• Quick decisions
  The online application and approval process typically takes just a few minutes, with an instant decision in most cases.
   
• Multiple term options
  Depending on eligibility and invoice size, you may see several plan durations (for example, short-term or longer-term plans) so you can choose what works for your monthly budget. Clio
   

While the exact terms you see will depend on your individual eligibility and the amount financed, here are some general points based on Affirm’s standard program terms: Clio

• APR range: Typically from 10% to 36% APR, based on your eligibility.
   
• Term length options: Common options include 3, 6, 12, 18, 24, or 36 months, depending on the invoice and approval.
   
• No late fees: Affirm does not charge late fees, though late or missed payments may affect your credit.
   
• Prepayment allowed: You can generally pay off your balance early with no prepayment penalty.
   

For the most current information on rates, terms, and participating lenders, please visit Affirm directly at affirm.com. Clio

Affirm’s application typically involves a soft credit inquiry, which does not impact your credit score. However, once you open a financing plan and begin making payments, your repayment behavior may be reported to credit bureaus. For more details, please see Affirm’s Help Center. Clio

All questions about the financing itself—such as your schedule, payoff amount, or technical issues with your account—should be directed to Affirm, not KSC Law. You can find help resources at Affirm’s support site or contact them by phone as listed on affirm.com. Clio

You will make payments directly to Affirm through their website or the Affirm mobile app. They also typically send email or text reminders before each payment is due. Clio

If you are not approved for financing by Affirm, or if the options offered don’t meet your needs, please contact us. We may be able to discuss other payment arrangements or fee structures where appropriate.

• Financing is provided by Affirm and/or its lending partners, not by KSC Law.
   
• Approval, rate, and available terms are determined solely by Affirm and are subject to an eligibility review.
   
• Payment options may not be available in all jurisdictions, and certain limitations may apply based on the purchase amount and other factors. Clio
   
• Using financing may increase the total amount you pay over time compared to paying upfront.
   
• This information is provided for general informational purposes only and does not constitute financial, tax, or legal advice about credit products.
   

Before you commit to a financing plan, be sure to review all of the terms provided by Affirm and consider consulting with a qualified financial advisor if you have questions.

If you’d like to explore paying for your legal services over time, let us know and we can send you a secure online invoice with the Pay Over Time option (when available).

The “Pay Over Time” option described on this page is a financing product offered by Affirm and its lending partners, not by KSC Law. Any loan, line of credit, interest rate, repayment term, or other financing decision is made solely by Affirm under its own criteria. KSC Law is not a lender and does not control, guarantee, or approve your financing terms.

Use of financing through Affirm is completely optional and is not a requirement to hire KSC Law or to continue being represented by our firm. You may always choose to pay your legal fees directly instead of using any third-party financing option.

Nothing on this page is financial, tax, or credit advice. We are not advising you to use or not to use Affirm or any other financing product. Before you enter into a financing agreement, you should carefully review Affirm’s terms and consider consulting with a qualified financial or legal advisor about whether financing is appropriate for you.

In accordance with the Oklahoma Rules of Professional Conduct, our legal fees will always be set in a written fee agreement between you and KSC Law. Any financing arrangement you choose is separate from our attorney-client relationship and will not affect our independent professional judgment, our duty of loyalty to you, or our obligation to protect your confidential information.

The “Pay Over Time” option described on this page is a financing product offered by Affirm and its lending partners, not by KSC Law. Any loan, line of credit, interest rate, repayment term, or other financing decision is made solely by Affirm under its own criteria. KSC Law is not a lender and does not control, guarantee, or approve your financing terms.

Use of financing through Affirm is completely optional and is not a requirement to hire KSC Law or to continue being represented by our firm. You may always choose to pay your legal fees directly instead of using any third-party financing option.

Nothing on this page is financial, tax, or credit advice. We are not advising you to use or not to use Affirm or any other financing product. Before you enter into a financing agreement, you should carefully review Affirm’s terms and consider consulting with a qualified financial or other professional advisor about whether financing is appropriate for you.

In accordance with the Arkansas Rules of Professional Conduct, our legal fees will always be set out in a fee agreement between you and KSC Law. Any financing arrangement you choose with Affirm is separate from our attorney-client relationship and will not affect our independent professional judgment, our duty of loyalty to you, or our obligation to protect your confidential information.