Frequently Asked Questions

How do Cash App Afterpay and Klarna work?

Wayfair has partnered with Cash App Afterpay and Klarna which are services that allow you to make purchases now and pay for them in four payments made every two weeks. All payments are interest-free5, 6 and there are no additional costs as long as you pay on time.

Am I eligible for Cash App Afterpay or Klarna?

To use Cash App Afterpay or Klarna, you must be at least 18 years old. Eligibility for each is also subject to your financial circumstances. But don’t worry – applying won’t affect your credit rating.

Will placing an order with Cash App Afterpay or Klarna affect my credit rating?

Using Cash App Afterpay or Klarna won’t affect your credit rating.

Can I pay before the due date?

You sure can! If you want to pay the outstanding balance of your Cash App Afterpay or Klarna purchase, simply log in to your Cash App Afterpay or Klarna account, go to the “Payments” section and you will see the option to pay off the full order amount. You can also use the Cash App Afterpay or Klarna apps to manage repayments and purchases.

What do I need to provide when I make a purchase?

You’ll need to provide the following: 1) Your mobile number, 2) email address 3) a valid debit/credit card. Cash App Afterpay and Klarna will send all correspondence via email, but they’ll need your phone number if they need to reach you immediately. Please make sure that you provide accurate information so you receive your payment schedule and any updated order information.

What happens to my payments if I return my purchase?

Start the return process as usual through Wayfair. Once Wayfair confirms that it has received your return, Cash App Afterpay or Klarna will take it from there and adjust your payments as needed. After Wayfair has processed your return, Cash App Afterpay or Klarna will issue a refund and update your statement. If you made a full return, Cash App Afterpay or Klarna will refund any collected payments and cancel future scheduled payments. If you made a partial return, Cash App Afterpay or Klarna will send you an updated statement with an adjusted payment schedule.

Have Additional Questions?

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

Financing Details

5For Klarna: See here 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.

6You must be 18 or older, a resident of the U.S. and meet additional eligibility criteria to qualify. Loans through the Afterpay Pay Monthly program are underwritten and issued by the First Electronic Bank. A down payment may be required. APRs range from 0.00% to 35.99%, depending on eligibility and merchant. As an example, a 12 month $1,000 loan with 21% APR would have 11 monthly payments of $93.11 and 1 payment of $93.19 for a total payment of $1,117.40. Loans are subject to credit check and approval and are not available in all states.Valid debit card and acceptance of final terms required to apply. Estimated payment amounts shown on product pages exclude taxes and shipping charges, which are added at checkout. Click here for complete terms.