Get the flexibility to pay over time 

Enjoy an easy-to-use, revolving line of credit and spread your purchases over time with convenient, stress-free low APR financing offers. Know exactly how much you pay each month and in total. You'll receive monthly statements to remind you when payments are due.

 There are a few ways to pay over time for which you may be approved:

  • Planned Payments: Starting from 6 month payment terms available at a reduced promotional APR rate.
  • Flexible Month-to-Month: No fixed term commitment. You can pay your balance in full or make the minimum monthly payment (interest charges may apply) - it's your choice.

How paying over time works:

  1. Add what you like to your cart
  2. Choose Klarna at checkout to apply
  3. Enter top of mind information and you will know instantly if you are approved
  4. Complete your purchase

After your purchase 

Fluff & Familia will ship your order. You will receive a confirmation email from Klarna. Klarna will stay in touch and remind you of upcoming payments. Payments are managed at Klarna.com.

Safety & Security 

  • Zero Fraud Liability with Klarna’s Buyer Protection policy.
  • Klarna technology uses modern safeguards and security to protect your information and prevent unauthorized purchases.
  • Managed by Klarna. A well established, global payment solutions company making online shopping safer and simpler for over 45 million users in 18 countries at over 65,000 online stores.
  • The lender is WebBank. An FDIC-insured, state-chartered industrial bank headquartered in Salt Lake City, Utah.

What is Klarna?

Klarna is a global payment solutions company that provides our Fluff & Familia customers with a simpler and seamless buying experience. Learn More at Klarna.com

What is Pay Over Time?

Pay Over Time is an affordable and highly flexible financing option which is offered at checkout. This open-end line of credit is issued by WebBank in partnership with Klarna, and it allows you to pay for your purchases over time. Review detailed Klarna Credit FAQ.

How do I sign up for Pay Over Time?

Klarna’s advanced system reviews each order to determine which payment options are available to you. If you are presented a financing offer, simply select the option you wish to use and you’ll apply on the next page. You will know instantly if you are approved. It’s really quick!

How can I reach Klarna?

You can reach Klarna at ​http://klarna-us.custhelp.com/.

Current Rates (subject to change at any time)


1 Not applicable to revolving purchases.
2 Standard APR initially 19.99% subject to change
3 When plans are made available in 2017
4 0% APR if paid by the end of the promotional period. Otherwise, interest accrues at standard APR rate. This plan to be available in 2017.

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