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on 3/8/16Currently, we employ a 3rd party that offers our customers payment plans. We don't have much insight into how or when they offer a line of credit, but it is very easy to find out whether or not you qualify. Simply check out and select Affirm as your payment method. You'll have an answer within just a few minutes and have the option of accepting the payment plan or returning to Ice.com to select another payment method. I hope this helps! :)