Shop Now. Pay Later.

We’re excited to announce we have partnered with Klarna and Shop Pay to bring you new ways to pay at checkout. A safe and simple way to get the stuff you want, when you want it.

HERE’S HOW KLARNA WORKS:

STEP 1

Add products to your cart and select “Klarna” when you check out.

STEP 2

Enter a few personal details and you’ll know instantly if you’re approved.

STEP 3

Klarna will send you an email confirmation and reminders when it’s time to pay.

STEP 4

You can complete your future Klarna purchases with just one click.
 

FLEXIBLE PAYMENT OPTIONS

PAY IN 4 INTEREST-FREE INSTALLMENTS

Shop today and split purchases into 4 equal interest-free installments. Zero interest and no fees when you pay on time. Simply enter your card details and automatic payments are taken every 2 weeks. Available for purchases up to $1800.
*CA residents: Loans made or arranged pursuant to a California Finance Lenders Law license.

MONTHLY FINANCING

Conveniently pay for purchases over time with monthly financing. Shop for the items you need, when you need them. Simple, fast and an instant decision at checkout. After you’re approved, manage purchases and set up automatic payments in the Klarna App.

*Monthly financing through Klarna issued by WebBank, member FDIC
  

GET THE APP

Use the Klarna app to view and manage your payments, report returns and chat 24/7 with Klarna customer service.

HERE'S HOW SHOP PAY WORKS:

Shop Pay offers you the option to pay in full at checkout, or to split your purchase into regular payments with Shop Pay Installments, both online and in store. Installment options vary by store and can be used on orders over $50 USD, including discounts, shipping, and taxes.

PAYMENT PLANS

Purchases between $50 USD to $17,500 USD are eligible for Shop Pay Installments, with options to:

Pay in 4 for purchases $50 to $999

  • Interest-free payments every 2 weeks
  • No impact to your credit score

Pay monthly for purchases $150 to $17,500

  • 3, 6, or 12-month terms
  • Rates from 0-36% APR
  • No impact to your credit score to apply

ELIGIBILITY REQUIREMENTS AND CREDIT SCORE

You must be over the age of 18, reside in the US, and be paying in USD to use Shop Pay Installments.

Your credit scores aren't impacted if your purchase is split into 4 bi-weekly payments using Shop Pay Installments. If your purchase is split into monthly payments, then your payments may be reported to a credit bureau.

Note: To use Shop Pay Installments you need a US shipping address.

FEES OR PENALTIES

For purchases split into 4 bi-weekly payments, there are no additional charges or interest rates applied. Purchases split into monthly payments may be subject to interest.

You can pay your balance off early without penalty.

There are no late fees. However, partial or late payments may affect your ability to use Shop Pay Installments in the future.

RESTRICTED ITEMS

There are some items that you can’t use Shop Pay Installments to purchase, including, but not limited to:

  • Cash advances
  • Illegal items and activities
  • Weapons, including parts and accessories
  • Narcotics
  • Regulated products such as alcohol, tobacco, or drug paraphernalia
  • Currency, including cryptocurrency
  • PayPal, Venmo, and other money transfer services
  • Loan and credit card payments

TERMS OF SERVICE

Learn more about Affirm’s terms of service or Shop’s terms of service. 

DISCLOSURE

Rates from 0-36% APR. Payment options through Shop Pay Installments are subject to an eligibility check and are provided by these lending partners: affirm.com/lenders. Options depend on your purchase amount, and a down payment may be required. State notices to consumers: affirm.com/licenses.

For example, a $800 purchase could be split into 12 monthly payments of $72.21 at 15% APR, or 4 interest-free payments of $200 every 2 weeks. 

Affirm is the originator and servicer of Shop Pay installments, but payments are managed in your Shop Pay account.