Installment payment options

Klarna and Afterpay offer flexible installment payment options for select Wish customers. If you see the Klarna Pay Later or Afterpay option at checkout, you’re eligible to use either of these payment methods. Ch-ching!

Klarna allows you to split purchases of $10 or more  into interest-free payments. With Afterpay, you can schedule your interest-free payments for orders of $1 or more to be processed every 2 weeks, up to 6 weeks without fees.*

Here’s how it works: 

Add to Cart	Checkout	Pay
Discover delightful products on Wish! Once you find some things you love, add them to your cart.	If available, select Klarna or Afterpay at checkout. You’ll complete your payment information and select your payment schedule on the provider’s site.	Your first interest free payment will be taken at checkout and all following payments will be made on your chosen schedule.

 

*PLEASE NOTE: CA resident loans made or arranged pursuant to a California Financing Law license. The payment options available through Klarna and Afterpay may vary based on customer region. If you have an amount that’s past due from a previous Afterpay order, this billing option will be unavailable until your balance is paid at checkout.

 

Read on to learn more about Klarna and Afterpay.

• Klarna
• Afterpay

Klarna 

Which payment methods can I use with Klarna? 

Klarna currently accepts all major debit and credit cards (Mastercard, Visa, AMEX, and Discover). Please note, prepaid credit cards are not accepted.

 

Are there any interest charges or fees?

The great news is there are no interest charges or fees when you use Klarna. 

However, Klarna may charge a one-time fee for late payments. Additionally, you may incur fees from your bank or financial institution if there are insufficient funds in your account when Klarna attempts to process any of your subsequent installment payments.

Customers are responsible for ensuring funds are available in the account they use to place their order(s) with Klarna.

For more information, please visit Klarna’s help page. 

 

After I place my order, can I pay off my balance early, change the payment method, and/or change the payment date?

Yes! You can change the payment method, pay off your balance early, or change any installment payment date using the Klarna app. 

To change your payment method: 

1. In the Klarna mobile app, tap Payments.
2. Select the order you would like to pay for with another card.
3. Tap Manage and then Change card.
4. Select your preferred card or tap Pay with other card and follow the prompts.

To change your payment date: 

1. In the Klarna mobile app, go to Payments.
2. Select the order you would like to pay later.
3. Tap Payment options and then tap Extend due date.

What happens if I miss my final payment?

If Klarna is unable to process the payment on the date you selected at checkout, they will make multiple attempts to charge the card on file at later dates. You can learn more about this on Klarna’s help center. 

 

What if my Klarna charge is declined?

If your payment is declined, please use an alternate payment method to complete your purchase. If you would like to use Klarna on future orders, reach out to Klarna’s customer service team to discuss options. 

You can learn more about Klarna through this link here.

 

Will I still pay the original order total amount if something from my order is canceled or runs out of stock?

If an item is canceled or runs out of stock, your total order amount and the remaining Klarna payments will be adjusted automatically.

 

If my order is canceled and I paid with Klarna, will I still be charged?

Not to worry, you won’t be charged. For more information and additional support, please reach out to Klarna’s customer support team. 

 

Where can I learn about Klarna's Terms of Use?

US: See payment Terms and conditions. A higher initial payment may be required for some consumers. CA residents: Loans made or arranged pursuant to a California Financing Law license.

UK: Klarna’s Pay in 3 is an unregulated credit agreement. Borrowing more than you can afford or paying late may negatively impact your financial status and ability to obtain credit. 18+, UK residents only. Subject to status. Terms and Conditions and late fees apply.

 

Afterpay

Afterpay allows you to schedule your interest-free payments to be processed every 2 weeks up to 6 weeks.*

At time of purchase, you pay 25% of the purchase price and then you are charged 25% every two weeks until the item is paid. You may change your payments date through the Afterpay app, using the “My Afterpay” tab. 

 

After I place my order, can I pay off my balance early, change the payment method, and/or change the payment date?

Yes! You’re welcome to pay the remaining balance for your Afterpay purchase before your set payment due date or move your next payment date back on Afterpay’s mobile app or their web portal.

Afterpay Mobile App

1. Navigate to the Orders tab in the Afterpay app.
2. Select the scheduled payment you would like to reschedule.
3. Select the menu in the top right corner of the app and choose Change Next Payment Date.
4. Indicate the date to which you’d like to reschedule your next payment and confirm.

Afterpay Web Portal

1. Go to 'Payment Schedule'.
2. Click 'View Order' on the payment/order you'd like to move.
3. Click 'Change Next Payment Date' (this button is next to the 'make a payment' option).
4. Select your new date and click 'Confirm Date'.

For more information and troubleshooting tips, check out Afterpay’s Help Center. 

 

What if my charge is declined when using Afterpay?

When determining which orders to approve, Afterpay considers a number of different factors. As an example, the longer you have been a shopper with Afterpay and the more orders you have successfully repaid, the more likely you will be able to spend more.

Before attempting to make a purchase with Afterpay, it's really important that you think about the following:

• Are there sufficient funds in your account? Generally this amount should be at least 25% of the purchase price.
• How long have you been using Afterpay? The longer you’ve been an Afterpay customer and have made on-time payments, the more your spending limit increases. The amount you have to spend is clearly shown in the Afterpay App in the “My Afterpay” tab.
• How much do you have to repay on this purchase and any other previous outstanding purchases? You will be charged 25% of the amount of the item at your time of purchase. You will be charged 25% of the remaining amount every two weeks until the item is paid. 

What happens if I miss an Afterpay payment?

If you miss a payment, don’t panic! Reach out to Afterpay’s customer service team and they’ll be happy to look into the options available to you. 

You can reach them 24/7 in the Afterpay app and at Afterpay.