FINANCING
Klarna's FAQs
For more questions about installment payments on Klarna, click here.
What happens if I make a return?
If you need to return part or all of your order, Klarna will issue you with a new statement. Simply follow the retailer's return instructions and make sure to take note of the tracking number. Log into your Klarna account, select “report a return”, and we’ll pause your statement. As soon as the retailer has processed your return, we will send an adjusted invoice.
There's something wrong with my order. Do I still need to pay for it?
You do not need to pay for goods that are received damaged, broken, or defective. Follow the retailer’s dispute instructions and “report a problem” in your Klarna account to pause your statement until the issue is resolved. As soon as the retailer has registered your return, the refund will be processed within 5-7 business days.
I have not received my order. What happens to my statement?
You do not need to pay the statement until you have received your order. Contact the retailer for a delivery update, log into your Klarna account, and “report a problem” to pause your statement until you’ve received your order.
My statement is incorrect. What should I do?
If your statement does not match your order details, please contact the retailer directly to correct your statement. Log into your Klarna account and “report a problem” to pause your statement until the details have been corrected.
Klarna Disclosures
For more questions about installment payments on Klarna, click here.
Shop Pay FAQ's
For more questions about installment payments on Shop Pay, click here.
What is the option to pay in installments on Shop Pay?
When checking out with Shop Pay, you now have the option to pay now or later. Paying in installments on Shop Pay allows you to split your purchase amount into 4 equal, biweekly installment payments—with 0% interest, no hidden or late fees, and no impact on your credit score.* In some instances, your first payment is due when you make your purchase; otherwise, your first payment is due 2 weeks after your purchase.
Which payment methods are accepted if I use the option to pay in installments on Shop Pay?
The installments option on Shop Pay is available on debit and credit cards.
Are there late fees?
No, there are no late fees if you miss a scheduled payment.
What if I make a return on a purchase made through installments with Shop Pay?
If we process a refund, the refunded amount will be returned to your original payment method within 3-10 business days, and your balance will be updated. If your refund is less than your total purchase balance, it might not lower your next payment. Instead, you can expect fewer payments, a smaller final payment, or both. If your refund is more than your purchase balance, the difference will be returned to your original payment method within 3-10 business days.
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. California residents: Affirm Loan Services, LLC is licensed by the Department of Business Oversight. Loans are made or arranged pursuant to California Financing Law license 60DBO-111681.