Add the items you love to your bag. Select Klarna at checkout to split your purchase into four equal payments, charged every two weeks beginning at the time your order is confirmed (usually the shipping date), or over a longer period of time with Klarna's Pay in 30, Pay Now and monthly financing options.
Klarna will send you an email confirmation and payment reminders.

To sign up for Klarna financing, you must be age 18+ and have an SMS-capable phone number, US-issued debit or credit card and a US residential address.

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.

There are no fees when you follow the payment schedule. Please review product terms for applicable fees.

Returns via mail – Once your return has processed, any payments already made will be refunded to your original payment method and any remaining payments will be canceled. If the refund is for less than the full order amount, your order balance will be updated.

Returns in store– When returning in-store, you will receive a refund for the entire cost of the item. If the item cost has not yet been fully paid, Klarna will continue to collect the remaining balance.

Once your payment information has been entered, Klarna performs a soft credit check. An authorization hold is placed on your account at this time. If no order is placed, the authorization is typically released within 60 minutes.

No. When your order ships, the first payment will be deducted. Three more payments will be deducted every two weeks.

No. An error message will display if attempting to use a prepaid credit or debit card.

Yes!

Yes. Klarna is an available payment method both in the app and online.

Klarna is available at select Hibbett locations. Please contact your store for more information.

Please contact Klarna directly using one of the options offered above.

For additional information and more frequently asked questions, visit Klarna Customer Support.

Affirm strives to keep you out of unhealthy debt by facilitating fair, transparent credit so you can pay over time for the things you love. With Affirm, you'll never owe more than what you agree to up front. Instead, you'll always get a flexible, transparent, and convenient way to pay over time.

No fees
We don't charge any fees. That means no late fees, no prepayment fees, no annual fees, and no fees to open or close your account.

Interest
Your APR may be different depending on your creditworthiness and where you are shopping. The APR for your plan will be shown when you check out with Affirm.

At checkout, we always show the total amount of interest you'll pay. This way, you always know what you're getting into. If you pay faster than agreed, you might be charged less interest.

For Affirm Card purchases, the plan total may differ from what you saw at checkout. Refer to the email you received when your payment plan was finalized to see the final payment plan balance and installment amounts.

What is interest?
Interest is the cost of borrowing money. When you take out a loan, lenders may charge an interest rate for using their money to pay up front for the purchase. At Affirm, we use simple interest for our loans. This means interest is only calculated based on the original loan amount, called the principal. This is different from compound interest, which calculates interest based on both the principal and the interest already accrued, which can lead to a larger total amount owed.

How is my interest rate decided?
Your interest rate, which is displayed as an annual percentage rate (APR), is based on several factors, including your credit history, the price of the item, the store, and how well you've paid off loans in the past. Each time you apply for a loan, we review your application separately, so the offered rate (or rates) may be different each time.

If your application is approved, you may see up to three payment plan options. Each option will show:

• The total payment amount
• How often payments are due
• The length of the loan
• The interest rate, or Annual Percentage Rate (APR)
• The total interest you’ll pay over the loan period

Having all this information helps you pick the best plan for your needs.

Can my interest rate be changed?
The APR you’re offered cannot be changed. Carefully review the options before selecting the plan you’d like and confirming your loan agreement, as the interest rate on your loan cannot be changed once confirmed.

Does the timing of my payments impact my interest?
Potentially. If you pay off your loan in full early or make payments earlier than required by your payment schedule, this may reduce the total amount of interest you are required to pay. And don’t worry, you’ll never pay more interest than what you agreed to at when your loan was finalized.

Returning an online purchase in-store and receiving a refund in cash or to your credit/debit card does not cancel your Affirm loan. You are still obligated to repay Affirm according to the terms of your loan.

What does Affirm report to the credit bureau?
Beginning April 1, 2025, all Affirm payment plans and the associated repayment activity will be reported to Experian. Additionally, Affirm will begin reporting this information to TransUnion on May 1, 2025, and may report to other credit bureaus in the future.

Payment plans originated prior to April 1, 2025 may or may not be reported, depending on the type of payment plan, whether you already had an Affirm payment plan reported, and any history of delinquent payments on the payment plan.

Note: A payment plan’s origination date is the next business day after the plan is processed. You can see the date your payment plan processed in your payment schedule online or via the Affirm app. For more information on how to view your payment schedule, click here.

To find out what to do if you believe there is an inaccuracy in the reported information, reference the "Credit Reports and Monitoring" and “Credit Bureau Disputes” sections in your payment plan agreement by following the steps below.

• Open the Affirm app.
• Tap the Manage tab.
• Tap the payment plan you would like to review terms for.
• Tap Details.
• Tap Loan terms.

If you need immediate repayment confirmation, click here to view your loan verification document.

When will my payment history appear on my credit report?
We report batches of information to Experian and TransUnion that covers your repayment information within a specific time period. If your payment plan includes furnishing, payments may take 30-60 days to appear on your credit report, depending on the date your payment was made and the date it was reported to Experian or TransUnion.

The status of the payment plan will show as the date our last report was sent to Experian or TransUnion. If you made a payment or paid off the payment plan after that date, the data will not change until our next report is sent. The status will continue to reflect late payments and charged off payment plans even if the plan becomes current or has since been paid off.

Affirm has a regulatory obligation to report accurate payment plan and repayment information (positive or negative) to the credit bureau and can only change reporting when an inaccuracy is identified.

Yes!

To get an update on an open case, reach back to Affirm using the options below:

Via the Secure Messaging Portal (SMP)
Secure Messaging Portal provides Affirm and its customers a protected way to communicate, especially with sensitive information. If you received communication via the Secure Messaging Portal, you can go back to the most recent SMP communication you received and reply to it as it's automatically tied to your existing case. Usually, we'll reply back within 3 - 5 days.

Via Affirm Live Chat
Chat with us between the hours of 7:00 am to 7:30 pm Eastern Time Monday - Friday. Once you provide our agents with your request details, they'll be able to locate your case and give you an update if available.

Via Phone
Call us at 855-423-3729 between the hours of 8:00 am and 11:00 pm Eastern Time seven days a week. We recommend providing our agents with additional information to help locate your case (such as the case ID, request details, or the loan ID).

Via Email
You can find an email communication from your previous interaction related to your request and reply to it with additional questions. Our customer care team will look into it and give you an update if available.

Please contact Affirm directly using one of the options offered above.

Pay in 4 is available to use at millions of online merchant sites where PayPal is accepted. Check out a list of some of the available brands here, search for your favorite brand, if available, save the deal, and create your own list. Transactions can be made in all currencies that PayPal supports, not just USD. For transactions not in USD, PayPal will automatically convert the transaction amount to USD at checkout before you apply for Pay in 4.

When applying for PayPal Pay Later solutions, a soft credit check may be needed, but will not affect your credit score. You must be 18 years old or older when applying for Pay Later.

Pay in 4 is always interest-free, with no late fees or sign-up fees. With Pay Monthly, you will pay a fixed interest rate, which varies based on your credit, and you won't pay any late fees or sign-up fees.

Yes. You can view your Pay Monthly remaining balance in the PayPal app by clicking Pay Later. There you can make additional payments as desired or pay off the loan in full at any time and you won’t be charged a fee or penalty if you do so.

Buy now, pay later solutions are excellent options if you want to make purchases more manageable by paying them off over time. Get what you want right away and break the payments up over weeks or months.