FLEXIBLE PAYMENT PLANS
GrowAce and Klarna have teamed up to offer 4 interest-free installment options or low APR financing.
Pay in 4 Installments
Klarna offers 4 interest-free installments on your credit or debit card for orders of $10 - $3500.*
Need longer terms? No problem! Klarna offers monthly financing sharting at 0% APR** on $499 - $10,000 orders.**
Step 1: Select Klarna at Checkout
Select "Buy now, pay later with Klarna" as payment method and click "Complete Order".
Step 2: Plan Details
Review eligible plan details and select the best option for you. Plan options include 4 interest-free installments or longer term financing.
Step 3: Application
Complete date of birth, last 4 of SSN, mobile (pre-billed) and click "Continue". This will not impact your credit score.
Step 4: Review Terms
Review the terms of the agreement and check the box to agree. Click "Agree and submit application"
Step 5: Instant Decision
Receive an instant decision and be redirected to order confirmation page if approved
*CA residents: Loans made or arranged pursuant to a California Finance Lenders Law License.
**Rate range from 0%-4.99% APR. A down payment may be required. Monthly financing through Klarna issued by WebBank, member FDIC and subject to credit approval.
Frequently Asked Questions
Don’t see your question here? Check out Klarna’s full FAQ page.
What is Klarna?
Klarna is a global payment solutions provider that works with retailers to provide customers the smoothest online shopping experience. Klarna is in over 205,000 online stores and has more than 85 million users globally. Learn more.
How do I pay in 4 interest-free installments?
Select 4 interest-free installments to split your purchase into four payments, charged every two weeks beginning at the time your order is confirmed (usually the shipping date). No bills are sent - you can simply sit back, relax, and enjoy your purchase. View complete terms.
How do automatic payments work?
Payments are collected every other week from the debit or credit card you provide at the time of purchase. All scheduled payments are communicated to you by email and you can review your purchases by logging in at https://app.klarna.com/login.
Is there a fee to use 4 interest-free installments?
There are no upfront fees when you follow the payment schedule. If you fail to make a payment on time late fees may apply. Please review the product terms for applicable fees.
Will this affect my credit score?
When you choose 4 interest-free installments, Klarna may perform a soft credit check. This type of check will not impact your credit score or show up as a hard inquiry on your credit report.
How can I reach Klarna?
You can reach Klarna anytime at https://www.klarna.com/us/customer-service/ or by downloading the Klarna App for 24/7 chat.