Shop Now. Pay Later. is the new favorite way to pay! This option spreads the cost of your purchase over four easy payments. Make your first payment at checkout; the rest are automatically collected every other week from the debit or credit card you sign up with. The total amount collected from you will be equivalent to the total purchase if paid on time. This option is available on orders of $10 or more.

Klarna is the global payment solutions provider that supplies the Shop Now. Pay Later. option at checkout for the smoothest online shopping experience with rue21. Learn more.

Nope—It won’t affect your credit score when you choose your new favorite way to pay. Please note: When you select Shop Now. Pay Later., a soft credit check may be run. This won’t affect your credit score, and it won’t show up as a hard inquiry on your credit report.

Once your order is confirmed, the first payment will be collected from your account. Please note: Your financial institution may place a hold on your account for the first payment once you complete your order until it is confirmed.

You can return your merchandise purchased with Klarna online or in-store. If the order is returned via mail, you will be credited by Klarna through your original method of payment for any payment(s) already made. Future payments will be adjusted accordingly.

If the order is returned in-store, you will receive a full refund for the total purchase of the order, credited via debit/credit card or store credit. The remaining payment(s) will be charged to your account every other week.

Yes. A full refund will be issued via debit/credit card or store credit for returns made in-store. The remaining payment(s) will be charged to your account every other week.

You can pay off your balance early through the ‘Pay’ tab in the Klarna app.

No, at this time purchases can’t be split.

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