How Do Afterpay and Klarna Work?

At Buyco, we offer a Buy Now Pay Later option through our partners Afterpay and Klarna, allowing you to split your payments into four equal, interest-free installments every two weeks. These services provide a flexible way to shop without any additional fees, as long as you pay on time.

Am I Eligible for Buy Now Pay Later?

To use Buy Now Pay Later through Afterpay or Klarna, you must be at least 18 years old. Eligibility is determined based on your financial situation, but applying won’t impact your credit score.

Will Using Afterpay or Klarna Affect My Credit Rating?

No, using Buy Now Pay Later services like Afterpay or Klarna won’t affect your credit rating, so you can shop confidently.

Can I Pay Before the Due Date?

Yes! You can always pay off your balance early. Simply log in to your Afterpay or Klarna account and select the “Payments” section to complete the process. Managing your purchases and payments is easy with the Afterpay or Klarna apps.

What Do I Need to Provide for Buy Now Pay Later?

When making a purchase, you’ll need:

1. Your mobile number
2. Your email address
3. A valid debit or credit card
   Make sure your details are correct to receive updates and payment schedules.

What Happens if I Return My Purchase?

If you return your purchase, Afterpay or Klarna will adjust your payments accordingly. Once Buyco confirms your return, they will issue a refund and cancel any remaining payments. For partial returns, your payment schedule will be adjusted.

Have Additional Questions?

Please visit Afterpay’s or Klarna’s websites to learn more.

*For Afterpay: You must be over 18, a resident of the U.S., and meet additional eligibility criteria to qualify. Late fees may apply. Estimated payment amounts shown on product pages exclude taxes and shipping charges, which are added at checkout. Please visit https://www.afterpay.com/en-US/installment-agreement for complete terms. Loans to California residents made or arranged pursuant to a California Finance Lenders Law license.

**For Klarna: See https://cdn.klarna.com/1.0/shared/content/legal/terms/0/en_us/ sliceitinx for payment terms. A higher initial payment may be required for some consumers. CA resident loans made or arranged pursuant to a California Financing Law license.