Buy Now, Pay Later with Klarna and Shop Pay

Klarna is a service that allows us to offer our customers the ability to make purchases now and pay for them in four payments made every 2 weeks without any interest.

When you pay in 4, Klarna splits your purchase into 4 equal payments. Klarna collects the first payment when you check out. The remaining 3 payments are collected every 2 weeks. You spread the cost over 6 weeks.

To be eligible to use Klarna, you must:

• Be a resident of the United States or its territories
• Be at least 18
• Have a valid card/bank account
• Have a positive credit history
• Be able to receive verification codes via text

Just shop and check out as usual! At checkout, choose Klarna as your payment method online. For your first purchase, you will be directed to the Klarna website to register and provide payment details. If you’ve used Klarna before, just log in to your Klarna account. Then complete your order – it’s that easy!

Please note: All items in your shopping bag must be eligible for Klarna and the bag value must be between $1 and $2,000.

Klarna is only offered to our customers who have a US billing address, US shipping address, and a US mobile phone number. Klarna is offered in the EU, but you need to be shopping on those sites. Customers with international billing addresses, shipping addresses, and/or phone numbers outside of these available markets will not be able to set up an account with Klarna.

All Klarna customers are required to make their first payment at the time of purchase. The remaining three payments are deducted automatically every 2 weeks from your selected payment method. You can log in to your Klarna account anytime to view your payment schedule or make a payment before the next due date. If you would like to make additional unscheduled payments before they are due, you may log in to Klarna to make your payments early – the amount you owe will be adjusted accordingly.

If funds are not available or you otherwise do not make your payment when it is due, late fees may apply. Find more information about payment details here.

Please note: Missed payments and unpaid debts are sent to debt collection. Chat with Klarna’s customer service team if you are experiencing financial difficulties or if you need extra support to help manage your finances.

Online orders paid for with Klarna are delivered within our standard shipping timeframes like any order from Cute Dresses. Visit our Shipping page for more information.

Yes, your cart value must be between $1 and $2,000 to use Klarna.

No, you may not use another form of payment with Klarna.

Klarna is not available for purchases of Gift Cards or E-Gift Cards. If your order contains Gift Cards and other eligible products, you will need to purchase your Gift Card(s) separately.

Klarna returns follow Cute Dresses' standard return process. Use our online returns portal to print a return label ($7.99). For merchandise returned within 30 days of the shipment date, a refund will be issued to the original form of payment at the original selling price.

Please note: Refunds for items purchased with Klarna will be refunded from Cute Dresses to Klarna. We cannot provide an exchange or cash refund. Log into your Klarna account, select “report a return”, and Klarna will pause your statement. As soon as Cute Dresses has processed your return, Klarna will send an adjusted invoice. Please refer to our return policy for more details. Have more questions about Klarna returns? Go to https://www.klarna.com/us/customer-service/.

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Check out Klarna’s full FAQ page. You can reach Klarna anytime athttps://www.klarna.com/us/customer-service/or by downloading the Klarna app.

Yes, there will be an option to pay early in the Klarna email correspondence OR via the Klarna app.

Shop Pay offers you the option to pay in full at checkout, or to split your purchase into regular payments with Shop Pay Installments. Installment options vary by store and can be used on orders over $50 USD, including discounts, shipping, and taxes.

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.

The installments option on Shop Pay is available on debit and credit cards.

No, there are no late fees if you miss a scheduled payment.

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.

Your credit scores aren't impacted if your purchase is split into 4 bi-weekly payments using Shop Pay Installments. If your purchase is split into monthly payments, then your payments may be reported to a credit bureau.

To use Shop Pay Installments, your shipping address needs to be in the United States. 

Yes. If you want to pay the next payment or full balance of your payment plan early, simply log into Shop Pay, go to Installment purchase you want to review.

Shop Pay returns follow Cute Dresses' standard return process. Use our online returns portal to print a return label ($7.99). For merchandise returned within 30 days of the order date, a refund will be issued to the original form of payment at the original selling price.

Please note: Refunds for items purchased with Shop Pay will be refunded from Cute Dresses to Shop Pay. We cannot provide an exchange or cash refund. Log into your Shop Pay account, select “report a return”, and Shop Pay will pause your statement. As soon as Cute Dresses has processed your return, Klarna will send an adjusted invoice. Please refer to our return policy for more details. Have more questions about Shop Pay returns? Go to https://shoppay.affirm.com/help/s/contact-us

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.