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Online FAQs

How does Shop now. Pay later. work?

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.

What is Klarna?

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.

Will this affect my credit score?

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.

When will my first payment be charged?

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.

How can I return Klarna Purchases?

You can return your merchandise purchased with Klarna online or in-store. If the purchase 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 purchase 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.

Will I be charged for remaining Klarna installments after returning in-store?

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.

Can I pay off my purchase early?

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

Can I split my purchase between Klarna and another form of payment?

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

Still have questions?

We still didn’t answer your question? No worries. You can find more information here.

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In-Store FAQs

What is a digital card?

The digital card is a single-use virtual card that you can use to make your purchase today. Scan the card from your phone and pay for it in 4 easy payments. The digital card can only be used to pay in-store.

How do I use a digital card in-store?

First, you should create the digital card in the Klarna app. When you get to the checkout, enter the total dollar amount of your purchase. Your personal credit/debit card will be authorized for a portion of the total amount. You may add the digital card to your phone’s wallet app, but this card can only be used once. You will show the card to the associate at checkout to complete your purchase. If you want to make another purchase, create a new card and keep shopping!