Shop now, pay later options

Third Party Payment Options

Afterpay

Klarna

Affirm

Shop Pay

We’ve partnered with your favorite Shop Now, Pay Later platforms to make shopping easier and more affordable.

Afterpay, Klarna, Affirm, and Shop Pay all allow consumers to make purchases now and pay for them in installment payments over time, without incurring interest fees (if payments are made on time). Here's how it works:

  • Browse and Shop: Consumers add their favorite items to their cart per usual
  • Choose Afterpay, Klarna, Affirm, or Shop Pay as the Payment Method: At the checkout, select the preferred pay later platform as your payment option
  • Split Payment into Installments: After selecting your preferred pay later platform, consumers are prompted to create an account or log in if they already have one. Once logged in, the selected platform will divide the total purchase amount into four equal installments.
  • Items ship immediately : Unlike traditional layaway programs, consumers don't have to wait until they've paid off the entire purchase price before receiving their items. They pay the first installment (typically 25% of the total) at the time of purchase and your order is shipped out ASAP
  • Pay Remaining Installments: Over the following six weeks, consumers pay the remaining three installments to Afterpay. Klarna, Affirm, or Shop Pay (based on which platform the consumer selected to place their order.) These payments are deducted from the payment method linked to their Afterpay, Klarna, Affirm and/or Shop Pay account on scheduled dates (according to the payment schedule selected at the time of purchase)
  • No Interest (If Payments Made on Time): As long as consumers make all four installment payments on time, they won't incur any interest charges. Late fees may apply for missed payments, however.
  • Manage Payments: Consumers can manage their pay later account through the selected platform's app or website, where they can track their purchases, view upcoming payments, and make changes to their account settings.

🔹 Afterpay

  • Break your purchase into 4 interest-free payments every 2 weeks. No credit check. No fees when paid on time.
  • Instant approval decision
  • Pay the first installment today, the rest later

🔹 Klarna

  • Flexible options including Pay in 4 or monthly financing. Klarna lets you shop now and spread your payments based on your budget.
  • Soft credit check
  • Transparent terms—no surprises

🔹 Affirm

  • Get more time to pay with monthly installment plans—from 3 to 12 months. Great for larger purchases or full wardrobe upgrades.
  • No hidden fees
  • See your terms before committing

🔹 Shop Pay Installments

  • Powered by Shopify + Affirm, Shop Pay lets you split your purchase into 4 biweekly payments or choose longer-term financing.
  • Fast and secure
  • No impact on your credit score for Pay in 4

Shop Pay Disclosure

Rates from 0% APR or 10-36% 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.