Buy Now, Pay Later (BNPL)

Buy your products now and pay for them over time!

Pay-in-4 is a class of short-term financing that allows you to purchase a product today and pay for it in installments over 6 weeks, with no interest.

Unlike traditional credit cards, BNPL often involves only a soft credit check that doesn’t impact your credit score.

• Interest-free payments: Many plans offer the option to pay in installments without incurring interest charges, for example: Pay-in-4.
• Budget-friendly: Spreading the cost of a purchase into smaller payments can make it easier to budget.
• Flexibility: Affirm, Afterpay, and Klarna offer different payment options, including “pay in 4” or longer-term financing.

Affirm*

At Checkout:

Look for the Affirm logo when completing your purchase, or pay with your Affirm Card.

Pay in 4 interest-free installments over six weeks. Make the first payment upfront and each one of the remaining 3 payments every 14 days. Credit cards and Checking accounts are the common payment options used with Affirm. Chase and Capitol One credit cards may not be used.

Always interest-free when you pay it in 4. No fees, ever.

Other interest-bearing, longer-term payment plans may be offered. Limits may apply.

Afterpay*

At Checkout:

Look for the Afterpay logo when completing your purchase.

Pay in 4 interest-free installments over six weeks. Make the first payment upfront and each one of the remaining 3 payments every 14 days.

Afterpay accepts credit and debit cards from Mastercard, and Visa which were issued in your country of residence. Afterpay also accepts digital forms of payment such as Apple Pay, Google Pay and Cash App Pay. Pre-paid cards cannot be stored in your account, but you can use them to make one off payments.

If eligible, you also have the option to link your checking account to your Afterpay account.

Always interest-free when you pay it in 4. No fees when you pay on time.*

Other interest-bearing, longer-term payment plans may be offered. Limits may apply.

Klarna*

At Checkout:

Click on the pink badge and pay with Klarna.

Pay in 4 interest-free installments over six weeks. Make the first payment upfront and each one of the remaining 3 payments every 14 days. Use your own US-issued debit or credit card to make each automatic installment payment.

Always interest-free when you pay it in 4. No fees when you pay on time.

Other interest-bearing, longer-term payment plans may be offered. Limits may apply.