Shop Now, Pay Later
NOW ACCEPTING KLARNA & SEZZLE
We're proud to announce that we are now accepting Klarna & Sezzle as payment options on our website.
You will be able to select Klarna or Sezzle ™ as a buy now, pay later option in the checkout process for orders. We know these may be a new platforms for a lot of people, so we've compiled a list of frequently asked questions:
Klarna is a global payments provider that works with retailers to give customers the smoothest online shopping experience by providing unique payment options and superior customer experience. Klarna has 2,500 employees around the world and is leading the way for alternative payments by serving 70 million consumers and 170,000 merchants. Learn more.
How do I pay in 4 interest-free installments?
Select 4 interest-free installments to split your purchase into equal payments, charged automatically every two weeks beginning at the time your order is confirmed (usually the shipment date). No bills are sent - you can simply sit back, relax, and enjoy your purchase. View complete terms.
How do automatic payments work?
Payments are collected bi-weekly from the debit or credit card you provide at the time of purchase. All scheduled payments are communicated to you by email and you can review your purchases by logging in at https://app.klarna.com/login
Will this affect my credit score?
When you choose to Pay later in 30 days or in 4 interest-free installments, Klarna may perform a soft credit check. This type of credit check will not impact your credit score.
How can I reach Klarna?
You can reach Klarna anytime at https://www.klarna.com/us/customer-service/
WHAT IS SEZZLE?
What is the minimum purchase amount in order to pay using Sezzle?
Your order must equal $30 or more to qualify for payment using Sezzle. Please note that this does not include the cost of shipping.
Sezzle is a payment solution that enables you to "Shop Now and Pay Later" with simple interest-free installment plans. Sezzle breaks down purchases into four smaller payments spread over six weeks. 25% is due at the time of the transaction, with the remaining 75% due across three easy payments scheduled every two weeks. When you complete a purchase with Sezzle, we ship your product immediately. You get to enjoy the item before you finish paying for it! Sezzle automates the repayments from your bank account on file.
How do I sign up?
Select Sezzle as your payment method while checking out.
Who can use Sezzle?
To use Sezzle, you must:
- Be 18 years or older (19 years or older in Alabama or if you're a ward of the state in Nebraska)
- Have a valid U.S. mobile phone number and email address
- Have an active U.S. bank account
Sezzle's extended payment product does not qualify as a credit product per Reg Z, which means there is no "hard credit" check typically associated with credit products.
Sezzle says the payments are interest free. What's the catch?
There is no catch. Sezzle is completely interest-free for shoppers. We pay Sezzle a fee for each transaction so that we can help you shop now and pay later. The only fees you could potentially incur are failed payment fees and late payment fees. If your scheduled payment fails to process, you will be charged a $10 failed payment fee. Sezzle does their best to prevent this from happening by sending email and text reminders. Rescheduled payments will incur a $5 late payment fee.
Does Sezzle perform a credit check?
Sezzle's extended payment option does not qualify as a credit product per Reg Z, however they still pull your credit score as part of their risk check. Don't worry, this check won't have a negative impact, because Sezzle is not a credit product per Reg Z. This is considered a "soft check" of your credit. Sezzle uses your credit information to help approve you, verify your identity, and reduce fraud.
Does Sezzle report to credit bureaus?
Sezzle currently doesn't report to credit bureaus.
What is the checkout process like with Sezzle?
It's fast and easy. Simply select Sezzle as your payment method during checkout. You'll be asked to provide some basic information about yourself. Sezzle will secure the checkout using a one-time password that is sent via SMS text to the mobile phone number you provide. You will then be asked to login to your bank as the final step in their checkout. The entire process should take under 2 minutes for first-time Sezzle users. Secure checkout takes just a few seconds to complete for existing Sezzle users.
Why was my purchase with Sezzle not approved?
While Sezzle strives to offer all applicants an installment plan, they're not able to approve every application. If Sezzle isn't able to approve your application, they will immediately notify you of their decision. When determining which orders to approve, Sezzle considers a number of different factors. For example, the longer you have been a shopper with Sezzle and the more orders you have successfully repaid, the more likely you will be able to spend more. Here are some things to consider:
- Do you have sufficient funds available? Generally Sezzle looks to see that you have 25% of the order available to spend.
- The amount you have to repay on previous orders - it may help to pay some off (not a guarantee).
- The value of the order you are trying to place - it may help to reduce the value of your shopping cart (not a guarantee).