Buy Now, Pay Later
Split your purchase into easy payments with no interest. Choose the option that works best for you at checkout.
Choose at checkout
Select Afterpay, Klarna, or Affirm as your payment method.
Pick your plan
Pay in 4 interest-free installments or choose monthly payments for larger purchases.
Pay over time
Automatic payments on your schedule. No surprises, no hidden fees.
Afterpay
Pay in 4, interest-free
Pay in 4
- Split your purchase into 4 interest-free payments
- Payments due every 2 weeks
- First payment due at checkout
- 0% APR — no interest, no fees when you pay on time
- Available for purchases of any amount
Pay Monthly
- Extended financing for purchases over $100
- 3, 6, 12, or 24 month payment terms
- 0%–35.99% APR depending on eligibility
- No late fees, no hidden costs
- Monthly payment amount shown upfront before you commit
Late Fees
Pay in 4: Late fees may apply if you miss a payment, capped at 25% of the order value. Pay Monthly: No late fees.
Eligibility
Must be 18+, U.S. resident. Soft credit check — does not affect your credit score.
Klarna
Flexible payments, your way
Pay in 4
- Split your purchase into 4 interest-free payments
- Payments due every 2 weeks
- First payment when your order ships
- 0% APR — no interest, no fees when you pay on time
- Available for purchases from $35 to $2,000
Pay in 30 Days
- Try before you buy — pay the full amount in 30 days
- No interest or fees if paid on time
- Great for trying out products before committing
Late Fees
A late fee of up to $7 may be charged if payment remains unpaid after 10 days (never exceeds 25% of the installment amount).
Eligibility
Must be 18+, U.S. resident. Soft credit check — does not affect your credit score.
Affirm
Honest financing, no hidden fees
Pay in 4
- Split your purchase into 4 interest-free payments
- Payments due every 2 weeks
- 0% APR — no interest, no fees
- No minimum purchase required
Monthly Payments
- Choose a 3, 6, or 12 month payment plan on larger purchases
- 0%–36% APR depending on creditworthiness
- No late fees, no prepayment penalties
- No compound interest — you only pay interest on the original amount
- On-time payments reported to Experian and TransUnion (can help build credit)
Late Fees
No late fees, ever. No prepayment penalties. No hidden costs.
Eligibility
Must be 18+, U.S. resident. Soft credit check for prequalification — does not affect your credit score. Hard check only if you proceed.
Quick Comparison
| Feature | Afterpay | Klarna | Affirm |
|---|---|---|---|
| Pay in 4 (interest-free) | Yes | Yes | Yes |
| Monthly payments | 6 or 12 months | No | 3, 6, or 12 months |
| Interest-free option | Pay in 4 | Pay in 4 | Pay in 4 + select plans |
| APR range | 0%–35.99% | 0% | 0%–36% |
| Late fees | Pay in 4 only | Up to $7 | None |
| Credit check | Soft check | Soft check | Soft + hard |
| Minimum purchase | None | $35 | None |
All Payment Methods
In addition to financing, we accept a wide range of payment methods for both online and in-store purchases.
Credit & Debit Cards
Visa, Mastercard, Amex, Discover
Digital Wallets
Apple Pay, Google Pay, Link
Cash App Pay
Pay with your Cash App balance
Amazon Pay
Use your Amazon account
Cash
In-store purchases only
Zelle
In-store purchases only
Common Questions
Will using financing affect my credit score?
Afterpay and Klarna only perform a soft credit check, which does not affect your score. Affirm performs a soft check for prequalification, and a hard check only if you proceed with a monthly payment plan. On-time payments with Affirm are reported to credit bureaus and can help build your credit.
Can I use financing for in-store purchases?
Yes. All three providers are available for both online and in-store purchases at our warehouse.
What happens if I miss a payment?
Afterpay may charge a late fee (capped at 25% of the order). Klarna charges up to $7 after 10 days. Affirm never charges late fees. All providers will pause your account if payments are overdue, preventing new purchases until you catch up.
Can I pay off my plan early?
Yes. All three providers allow early payoff with no prepayment penalties or fees.
Is there a minimum purchase for financing?
Afterpay and Affirm have no minimum for Pay in 4. Klarna requires a minimum of $35. For monthly payment plans, Afterpay requires a minimum of $100.
How do I choose which provider to use?
All three offer interest-free Pay in 4 plans. For larger purchases that need longer terms, Affirm offers 3, 6, or 12 month plans and Afterpay offers 6 or 12 month plans. Choose whichever you already have an account with, or compare rates at checkout.
Ready to Shop?
Browse our full catalog and choose your financing option at checkout.
Financing is provided by Afterpay, Klarna, and Affirm. Approval, terms, and rates are determined by each provider based on your creditworthiness and other factors. Francis Retail does not determine approval or set interest rates. All terms shown are subject to change. Please review each provider's terms before completing your purchase.