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<span style="font-weight: 400;">Buy Now, Pay Later at Macy’s with Klarna </span>

Carolyn Fitchard

Spread Your Purchase Out into Four Interest-Free Payments

By: Carolyn Fitchard

True-blue Macy’s shoppers are well-versed in savings hacks, whether they’re hunting down a Macy’s promo code or racking up points with the Macy's Star Rewards program . But they can now add a new trick up their sleeve with Klarna , Macy’s Buy Now, Pay Later payment option. It spreads out purchases into four interest-free payments, which softens the immediate hit to your bank account and helps keep pace with your paycheck cycle.

Want to learn more? Read on for Groupon Coupons ’ primer on using Klarna at Macy’s.

What is Klarna & How Does it Work?

Klarna is a Buy Now, Pay Later service that’s offered at many retailers and through the Klarna App. When you pay by card with Klarna, think of it as a layaway program but better. For one, you get your purchases right away instead of waiting until your account is paid in full. And secondly, there are no additional charges or interest fees.

You’ll need to meet the following requirements to use Klarna:

Be 18 years of age or older
Have a U.S.-issued debit or credit card
Have a U.S. billing address
Have a phone number that receives text messages

Additionally, your Macy’s shopping cart must meet these requirements:

Items must total between $10-$1,000
Not contain gift cards or beauty subscription boxes, which are not valid with Klarna

How to Sign Up for Klarna

When you get to the payment option on Macy’s Checkout page, you’ll see a tab for Klarna. By selecting it, you’ll be accepting Klarna’s terms and conditions . Eligible orders will be split into four equal payments, with the first due at checkout with a debit or credit card. You’ll then receive a confirmation email from Klarna outlining the final three automatic payments.

What It Looks Like in Practice

Say you want to purchase a dress for a black-tie affair but it comes in at a whopping $210. Instead of paying the full amount at once, which can put a strain on your budget, you can pay $56.30 now with your debit or credit card (the charge will appear when your order ships). The remaining three payments of $56.31 will be automatically processed every two weeks.

Important Klarna Tips

Good or Bad, It Won’t Affect Your Credit Score

Klarna doesn’t report to any credit bureaus, so any missed payments won’t reflect negatively on your credit score. Alternatively, consistent payments won’t reflect positively on your credit score. That’s worth keeping in mind if you’re trying to build your credit, in which case you’re better off using the Macy’s American Express Credit Card .

Watch Out for that Late Fee

While you won’t get a credit ding for any missed payments, you will be charged up to a $7 late fee. And you’ll keep incurring these fees for every subsequent missed payment, which can add up. Also, if your payment is returned unpaid due to insufficient funds or a closed account, you’ll be charged up to $25.

Returns Don’t Count as Payments

If you make a return, it’ll reduce your outstanding balance but won’t count as a Klarna payment. You’ll still need to pay at the regular 14-day intervals until your balance is paid in full.

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<span style="font-weight: 400;">Buy Now, Pay Later at Macy&rsquo;s with Klarna </span>

Spread Your Purchase Out into Four Interest-Free Payments

What is Klarna & How Does it Work?

How to Sign Up for Klarna

What It Looks Like in Practice

Important Klarna Tips

Good or Bad, It Won&rsquo;t Affect Your Credit Score

Watch Out for that Late Fee

Returns Don&rsquo;t Count as Payments

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<span style="font-weight: 400;">Buy Now, Pay Later at Macy’s with Klarna </span>

Good or Bad, It Won’t Affect Your Credit Score

Returns Don’t Count as Payments