Pay over time. Credit lines up to $5,000, subject to approval.
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100% Digital
Decision in as little as seconds
Powered by Tandym

Credit
Pay over time. Credit lines up to $5,000, subject to approval.
Get a decision with no hard credit pull

Debit
Connect your bank and pay all at once up to $10,000.
Securely connected with Plaid
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A decision in as little as seconds
Credit
Debit

Pay securely with your mobile phone number

Earn & redeem on every order
Earn on every order

Credit
Debit

Securely connect your bank for repayment
Plaid is certified in internationally-recognized security standards, like ISO 27001. Learn more about Plaid.

Frequently Asked Questions
Apply for a Rare Seeds Pay credit account now at the top of this page or in the cart during the payment step of checkout. A decision is available in as little as seconds without leaving our website and requires your name, phone, birthdate, social security number, address, email, and annual income. Our payments partner, Tandym, securely handles the review process and will email you with details for managing your account if approved. During the credit application, there will be no hard credit pull.
Apply for a Rare Seeds Pay debit account now at the top of this page. In addition to name, email, and birthdate, you're required to digitally connect your bank account via our secure partner, Plaid. Plaid is a trusted partner for apps like Venmo and Cash App as well as major banks. This usually takes less than a few minutes to complete and if successful you can use immediately.
See our Application Disclosures for full details on current interest rates and for other questions about billing.
Rare Seeds Pay credit accounts operate similarly to traditional credit cards – you will incur no fees or interest if you pay your statement balance in full prior to your due date. Payments of less than your statement balance will accrue interest on the remaining balance, and payments paid after your due date will result in a $10 late fee.
See our Application Disclosures for full details on current interest rates and for other questions about billing.
Log in to your account at customers.bytandym.com to manage and view your account details and rewards.
The maximum order amount for debit purchases requires your connected bank account to have the available amount equivalent to the purchase amount, up to a maximum of $10,000.
Get the Tandym App
- Go to customers.bytandym.com
Hit the up-arrow in the browser bar
- Scroll down a bit and select “Add to Home Screen”
- Go to customers.bytandym.com
Hit the 3 dots in the upper right-hand corner of your browser
- Tap “Add to Home Screen”
Tandym loan products are issued by Celtic Bank, a Utah-chartered Industrial Bank, Member FDIC.