That’s why we offer flexible payment plans through Affirm. Instead of paying everything upfront, you can spread the cost over time and focus on what matters: your story. If you’re curious about financing, just ask your publishing consultant. We’ll explore the options together and find a plan that makes sense for you. And throughout the site, you’ll notice small reminders, like “ask about financing”, so you always know it’s an option.
Bring Your Book to Life, On Your Terms
You’ve done something brave, writing a book and imagining it out in the world. At Palmetto Publishing, we help you take the next step with confidence. You’ll keep 100% of your royalties, stay in full creative control, and have the option to pay over time with flexible financing.
Publishing Is Personal. Financing should be flexible.
We understand that publishing can feel like a big
leap — not only creatively, but financially too.
How It Works
Here’s how the process usually goes:
1
You start with a free publishing consultation. We’ll talk about your dreams and personal story, and then create a custom publishing plan just for you.
2
From there, you choose whether you’d like to pay in full or take advantage of our flexible payment plans.
3
Then we get to work. Editing, designing, and formatting. We take care of printing and distribution. If you want marketing support, we’ll help with that too.
4
And when it’s time to publish, you keep 100% of your royalties and 100% of the pride.
Services and Pricing Highlights
We’re book lovers who are here to help you with every aspect of publishing your work.
Editing
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Copy Edit: $0.038/word
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Line Edit: $0.046/word
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Developmental Edit: $900 for up to 10,000 words, then $0.09/word
Cover Design
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Palmetto Cover: $799+
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Custom: $899+
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Complex: $1,099+
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Illustrative: $1,099+
Interior Formatting
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Palmetto Cover: $799+
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Custom: $899+
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Complex: $1,099+
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Illustrative: $1,099+
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Complex Plus: $1,999+
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eBook add-on: $399
Marketing
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Marketing copy: $399
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Press release & distribution: $728–$1,028
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Author website: $1,799
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Marketing package with press release: $1,999
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Marketing package with Newswire article: $2,299
Do you have questions about what’s right for your book or how to break the cost into payments? That’s exactly what we’re here for.
Stories From Authors Like You
The flexible payment plan lets me stay focused on my writing instead of worrying about money. I felt like I had a partner through the whole process.
I never thought I could afford to publish a book while raising kids. But breaking the cost into payments made it possible, and I’m so glad I didn’t wait.
Publishing my family’s cookbook felt out of reach until I realized I didn’t have to pay all at once. It felt manageable, and real.
FAQ
Can I finance my publishing package?
Yes, absolutely. We offer flexible payment plans through Affirm so you can spread out your investment. Your publishing consultant can walk you through the details and timing.
Why should I choose Palmetto?
Because we care as much about your story as you do. You’ll get full creative control, keep 100% of your royalties, and have a team that truly supports you every step of the way.
What does publishing usually cost?
Most packages start around $1,598, and the average author spends about $3,800. That covers editing, design, formatting, and distribution—and yes, you can finance that if you’d like.
Can I pay off my plan early?
Of course. There’s no penalty for paying early.
How do I make payments?
You can make or schedule payments at affirm.com or through the Affirm app. They’ll send reminders when payments are due.
Will checking if I qualify for financing affect my credit?
No. Checking your eligibility won’t impact your credit score. If you move forward with a financing plan, that could affect your score depending on how the plan is structured.
Do I need a mobile number to use Affirm?
Yes, you’ll need a U.S.-based mobile number to create your Affirm account and verify your identity.
Ready to Publish?
Start your journey on your terms—with a team that believes in your story.