Flexible Payment Options
Studio Luna offers financing through Affirm, Klarna, and Afterpay so you can start treatment when you're ready — not just when you've saved enough.
Whether you're shopping online or here in our Daly City studio, financing fits your workflow.
Online
Select Affirm, Klarna, or Afterpay when you check out for a package. Get an instant decision in seconds. Start treatment right away.
In-Store
Visit us in Daly City, scan a QR code, and apply on your phone. No paperwork, no waiting-room awkwardness. You stay in control of your information.
Compare Your Options
Each lender has slightly different terms. All require credit approval. Studio Luna doesn't choose your lender — you do, based on what works for you.
Loans by Affirm Loan Services, LLC pursuant to a California Financing Law license. NMLS ID 1883087.
Klarna, Inc. NMLS #1353190. CA Financing Law license.
Afterpay US Services, LLC. NMLS ID 1870854. CA Finance Lenders Law license #60DBO-99995.
Your actual rate and term depend on your purchase amount and eligibility. These are illustrative examples only.
Package value
$600
$50/mo
12 months · 0% APR
Package value
$1,990
$166/mo
12 months · 0% APR
Package value
$4,900
$408/mo
12 months · 0% APR
Package value
$8,000
$333/mo
24 months · 0% APR
Examples assume well-qualified borrowers. Your actual terms may vary. Rates from 0–36% APR. Subject to eligibility check. A down payment may be required. Payment options provided by Affirm's lending partners at affirm.com/lenders. CA residents: Loans by Affirm Loan Services, LLC pursuant to a California Financing Law license. Affirm, Inc., NMLS ID 1883087.
Important to know
When you choose to finance through Affirm, Klarna, or Afterpay, your loan relationship is with that lender — not with Studio Luna.
We don't see your credit score. We don't have access to your loan terms. We don't collect your SSN, date of birth, or other sensitive financial information.
We receive only a confirmation that your loan was approved, so we can complete your transaction. Everything else stays between you and your lender.
For loan-specific questions, contact your lender directly. We're happy to help with anything related to your treatment, but we can't change your loan terms or access your account.
For more questions, see our complete FAQ or call us at (415) 347-7149.
Affirm offers payment plans from biweekly (4 payments, 0% APR) up to 36 months. You apply online or in-store with a soft credit check that doesn't affect your credit score.
See our Financing page for complete details, including all disclosures and rate information.
No. Checking your eligibility uses a soft credit check that does not impact your credit score. If you accept a loan, Affirm may perform a hard credit inquiry, which is standard for any loan.
Rates from 0–36% APR. Subject to eligibility. See affirm.com/lenders for lender details.
No. Studio Luna services are aesthetic and considered cosmetic by health insurance providers. They are not covered by insurance.
We accept credit cards, debit cards, Apple Pay, Google Pay, cash, and Affirm financing for all services.
We accept all major credit cards (Visa, Mastercard, American Express, Discover), debit cards, Apple Pay, Google Pay, cash, and Affirm financing.
In-store, we use Stripe Terminal for contactless tap-to-pay with Apple Pay and Google Pay. You can pay your way.
Refund policies depend on package terms and individual circumstances. See our Cancellation Policy for complete refund details.
For Affirm-financed purchases: Approved refunds are processed directly through Affirm, which adjusts your loan balance accordingly.
Contact Affirm directly. They don't charge late fees, but missed payments may impact your credit and your future Affirm eligibility.
Affirm support is available 7 days a week through their mobile app or at affirm.com. Studio Luna does not manage Affirm loan accounts.
No. Studio Luna pricing is transparent: what you see on our Packages page is what you pay (plus California sales tax). No upsells during sessions, no membership traps, no surprise fees.
Affirm: No prepayment penalties, no late fees. The only cost is the APR on your loan (0–36%), which is clearly disclosed before you accept any terms.
Studio Luna is not a lender. All loans are made or arranged by Affirm Loan Services, LLC pursuant to a California Financing Law license. Studio Luna receives only confirmation of loan approval — we do not have access to your loan terms, credit score, or detailed financial information.
Rates from 0–36% APR. Payment options through Affirm are subject to an eligibility check, may not be available everywhere, and are provided by these lending partners: affirm.com/lenders. A down payment may be required. CA residents: Loans by Affirm Loan Services, LLC are made or arranged pursuant to a California Financing Law license. For licenses and disclosures, see affirm.com/licenses. Affirm, Inc., NMLS ID 1883087.