Can I finance a nail printer?
Short answer: Yes. Eligible buyers can split the cost with Shop Pay Installments or Affirm at checkout. For a monthly figure, check the live monthly estimate Shop Pay Installments shows on the product pages and the financing page (Canada). The provider shows the plan, rate and total before you accept. Approval is not guaranteed.
We currently sell two machines: the O'2Nails V11 ($2,999) — the compact, mobile-friendly unit — and the O'2Nails X12.5 ($5,999) — the flagship, high-volume desktop unit. Older models you may have seen quoted elsewhere (M1, H1, X11, X11 Plus, V12) are discontinued and are no longer sold.
Shop Pay Installments — how it works
Plan lengths, rates and eligibility depend on your order and are set by the provider. For the V11 or the X12.5, check the live monthly estimate Shop Pay Installments shows on the product pages and the financing page (Canada) for the current monthly estimate. The full plan, rate and total payable appear at checkout before you accept. Approval is not guaranteed.
How to use: add a printer to cart → checkout → select Shop Pay at the payment step → choose an installment plan if one is offered.
Note that Shop Pay Installments is not the same thing as a lease. See /pages/financing for current options. We compare all three payment paths side by side in what each payment plan actually costs.
Affirm — where offered at checkout
Affirm may be offered at checkout where available. The provider shows the rate, schedule and total before you accept. Approval and interest-free terms are not guaranteed.
For a monthly reference, check the live monthly estimate Shop Pay Installments shows on the product pages and the financing page (Canada), or choose Affirm at checkout to see its offer. Approval is not guaranteed.
Outright purchase vs financing — what makes sense for your business?
For most salon-pro buyers, financing is the better play even if you have the cash. Two reasons:
1. Cash-flow alignment. The printer generates additional gross margin from day one. Financing the purchase means each monthly installment can be covered by the extra nail-art appointments the printer brings in. Check the live Shop Pay Installments estimate on the product page, then compare it with your monthly print volume in the ROI calculator.
2. Tax deductibility (US Section 179 / Canadian CCA Class 8). Both outright purchase AND financed purchase qualify for accelerated depreciation in most cases. Talk to your accountant — but the tax treatment is identical, so the only real question is cash flow.
For personal-use buyers (gifts, hobbyists, content creators), Shop Pay Installments or Affirm may be offered at checkout; the provider shows the rate and total before you accept, and approval is not guaranteed.
Section 179 (US small-business deduction)
The IRS Section 179 deduction lets US small-business owners deduct the full purchase price of qualifying equipment in the year of purchase rather than depreciating over 5+ years. For 2026, the deduction limit is $1,160,000 with a phase-out starting at $2,890,000 of total equipment purchases.
Practical implication: a salon owner buying the X12.5 ($5,999) can deduct the full $5,999 in 2026 rather than depreciating it over 5 years. That's a meaningful tax saving in the year of purchase.
Required: equipment must be used for business purposes >50% of the time. We provide a detailed business invoice for every order — talk to your CPA before filing.
Canadian CCA Class 8 (small-business equipment)
Canadian small-business owners can claim a Capital Cost Allowance (CCA) on the printer under Class 8 — 20% declining balance. With the half-year rule, that's 10% in year 1 and 20% per year thereafter.
For a $5,999 X12.5 purchase: $599.90 in year 1 deduction, then $1,079.82 in year 2, and so on down the declining balance. The Accelerated Investment Incentive (AII) lets eligible small businesses claim 1.5× the standard rate in year 1 for property acquired between 2018-2027.
Required: keep the original invoice + proof of business use. We provide both with every order.
Buying more than one printer? Email hello@nailprinter.ca or book a 30-minute fit call with your business details. We'll tell you what's available for your order today. Ask for the full payment schedule and total cost before you commit. At checkout, eligible buyers can also split the cost with Affirm or Shop Pay Installments.
When does the printer cover its monthly payment?
Take the live monthly estimate Shop Pay Installments shows on the V11 or X12.5 product page and divide it by your margin lift per printed set (see the ROI math article). That's how many printed sets a month cover the payment. Run your own numbers with the ROI calculator.
Documents needed
For Shop Pay Installments: The provider shows the plan, rate, any credit check and the total payable at checkout before you accept.
For Affirm (where offered): The provider shows what it needs, any credit check, the rate and the total payable at checkout before you accept.
For Section 179 / CCA filing: The original invoice (we provide automatically) + your business income/expense records. Talk to your accountant.
For multi-printer orders: Email hello@nailprinter.ca with your business details and we'll tell you what's available for your order today.
FAQ
Q: Will financing impact my credit score? It depends on the provider and plan. The provider explains any credit check at checkout before you accept.
Q: Can I pay off the loan early? Check the provider terms shown at checkout for early payoff details.
Q: What if I need to return the product? Returns work the same as a regular purchase. We refund the full amount to Shop Pay or Affirm, who then cancel the financing arrangement. You're not on the hook for payments on a returned product within our 90-day trial window.
See your offer at checkout
Browse every printer or shop the V11 directly. Add to cart → checkout → financing options appear automatically based on your cart total.
The NailPrinter team · Only official O'2Nails distributor for Canada and the USA
