Financing Options

Shop Pay offers customers the option to pay in full at checkout, or to split their purchase into 4 equal, interest-free installment payments for orders between $50 USD and $3,000 USD. There are no additional charges, interest rates, or late fees passed on to you.

Your credit score isn't affected if you choose to use Shop Pay Installments. However, if you don't pay your installment, or you make a late payment, then you might not be eligible to make purchases using Shop Pay Installments in the future.

Paypal offers "Pay In 4". Check out at millions of online stores and split your purchase into 4 interest-free payments with no late fees. There’s no impact on your credit score and it’s backed by PayPal.

1. Choose PayPal at checkout, then tap Pay Later before selecting Pay in 4.

2. Get a decision in seconds and make your first payment to complete the purchase.

3. Make the remaining 3 payments, one every two weeks, in the app or online.


Buy now, pay later is an alternative to credit and gives you the flexibility to shop what you want, when you want, without breaking the bank. When you split the cost of your purchase into 4 smaller payments with Klarna, you’ll never pay any interest. Ever.

Online shopping freedom.

Paying after delivery allows you to try before you buy and is the easiest way to shop online. Complete the payment 30 days after purchase at no added cost. Report returns directly in our app and only pay for the items that you keep.

Full transparency.

With an instant credit decision, you can complete your purchase directly with full transparency. It’s the simplest one-time sign-up process you’ve ever used. Get a full overview of your payments online or in our app.

Does Klarna affect my credit score?

When you use Klarna to split your purchase into 4 interest-free payments, we run a soft credit check. It won’t affect your score, it just helps us confirm that you pay your bills on time.