Payment Plans: Terms & Responsibilities

This article explains INCA’s payment plan options and the responsibilities that come with paying tuition over time. It is a summary only. To compare every option side by side with monthly examples and application links, visit the payment plans page. For full policy language, refer to the INCA Course Policies.

Your Payment Plan Options

INCA offers four ways to spread tuition over time. The curriculum is the same whichever you choose.

• Klarna — monthly financing you apply for at checkout. Available on all programs.
• Affirm — fixed monthly installments you apply for at checkout. Available on all programs.
• PayPal Credit — a revolving credit line with a no-interest-if-paid-in-full-within-6-months promo on purchases of $149 or more. Available on all programs.
• INCA Monthly Auto-Debit Plan (via Partial.ly) — INCA’s own plan, with no credit check, available on programs priced over $500.

For terms, monthly payment examples, and application links, see the payment plans page.

The INCA Monthly Auto-Debit Plan (Partial.ly)

• Available on programs priced over $500.
• A 10% down payment is due at checkout.
• A flat 5% administrative fee is added to tuition in place of interest — there is no credit check and no interest.
• The plan runs 12–24 weeks depending on program length and must be paid in full before your program ends.
• Preview your plan using the estimator on the program’s enrollment page, then sign a simple financing agreement at checkout.
• You are responsible for maintaining an active, valid payment method in your Partial.ly account, which you can update at any time.

Manage your payment plan here.

General Payment Plan Rules

• Payment plans are never refundable, and the administrative fee is non-refundable.
• By enrolling on a payment plan, you agree to pay the full tuition amount according to the scheduled payment dates.
• Payment plans remain in effect regardless of program participation, deferral, or withdrawal.
• Your certificate of completion, contact-hour award, or letter of completion is issued only after tuition is paid in full.

Payment Plans and Deferrals

If you defer your enrollment (when deferral is permitted) while on the INCA Monthly Auto-Debit Plan:

• Your payment plan continues as originally scheduled.
• Payments are not paused, delayed, or adjusted.
• Deferring a program does not change your financial obligation.

(With Klarna, Affirm, or PayPal Credit your tuition is already paid to INCA, so there is nothing to pause — your financing simply continues with that provider.) For details on deferral eligibility, refer to Deferring Your Enrollment.

Payment Plans and Withdrawal

If you withdraw from a program for any reason while on the INCA Monthly Auto-Debit Plan:

• Your payment plan continues as scheduled.
• No remaining payments are canceled or forgiven.
• Access to course materials may end, but payment obligations remain.

Withdrawal does not make a payment plan eligible for a refund. (If you financed through Klarna, Affirm, or PayPal Credit, your obligation is to that provider and is unaffected by withdrawal.)

Payment Plans and Re-Enrollment

Re-enrollment assumes that your original payment plan has been paid in full.

• Previous payment plans do not transfer to a new enrollment.
• You may choose to enroll in a new payment plan for the new enrollment, if available.
• Any re-enrollment discounts apply to tuition only and do not affect prior balances.

For re-enrollment rules, refer to the Re-Enrollment Policy.

Missed or Failed Payments

For the INCA Monthly Auto-Debit Plan (Partial.ly):

• Missed or failed payments can result in an automatic course access lock, and may lead to removal under INCA’s Removal Policy.
• Access will remain locked until the payment issue is resolved.
• INCA does not override or manually adjust the payment schedule managed by Partial.ly.

If you finance through Klarna, Affirm, or PayPal Credit, contact that provider directly about a missed payment — your agreement is with them.

Need Help?

If you have questions about your payment plan or need help accessing your Partial.ly account, please submit a student support ticket. For complete policy details, always refer to the INCA Course Policies.