It always pays to shop responsibly, but sometimes you can be flexible in the way you do that. Here at Joy4Luxury, we’re happy to make life a little easier for our customers, and to help them spread the cost of their purchases, whether you’re looking for buy now pay later women’s clothing or buy now pay later designer clothes.
We accept three tried-and-trusted credit solutions – Klarna, PayPal Credit (previously known as Bill Me Later) and SplitPay. Here, we look at each one in a little more detail.
Klarna
Buy your designer clothes and bags using Klarna
If you’re looking for special purchases such as designer clothes Klarna could be absolutely right for you.
What is it?
This Swedish fintech firm’s services essentially mean that with Klarna designer bags and so on can be paid for post-purchase.
How does it work?
Pay later with Klarna
The Pay Later with Klarna option gives you up to 30 days to pay once your items have been shipped. What’s more, there are no interest fees or charges for late payments, or any negative impact on your credit score. (Of course, that doesn’t mean you should go wild with your spending.) So with Klarna designer clothes can be yours right away – ideal if you need that outfit for a special event but it’s the wrong side of payday. What’s more, you’ll have time to try on your order and then pay up when you’re sure it’s spot-on for you. Whether you’re after clothes or designer bags Klarna can make your dream a reality.
Pay in 3 Klarna
Meanwhile the Pay Later in 3 option allows you to pay for your order in three simple, interest-free instalments, so you really spread the cost of your shopping. With this choice for designer clothes pay monthly – it’s all really straightforward. The first instalment goes on your card once you’ve placed your order, the next two 30 and 60 days later.
Am I eligible?
You’ll need to be at least 18, live at a UK address and have a UK bank account. There may be some ‘soft’ credit searches with credit reference agencies, but these won’t affect your overall credit rating.
Just select the right Klarna option when you check out at Joy4luxury.com. You don’t even have to create a Klarna account if you prefer not to. If you return anything, your Klarna statement and schedule get updated accordingly.
PayPal Credit – Pay in 3
This is an alternative if you’re looking into buy now pay later designer clothes options.
What is it?
Previously called Bill Me Later, PayPal Credit is a payment method many well-known merchants – including Joy4Luxury – use. It’s from the US fintech multinational and is effectively the PayPal buy now pay later scheme. (You can, of course, just settle your shopping bill at checkout with regular PayPal if you prefer.)
How does it work?
With this scheme for buy now pay later designer clothes can be yours really easily. It’s called PayPal Pay in 3, and, as the name suggests, with this version of PayPal 3 payments are made to spread the cost of your shopping, whether you want buy now pay later men’s clothing or anything else. You’ll be paying for your stuff in a hat-trick of smaller chunks!
All you have to do is pick PayPal as your payment option, log in to your account and, if you’re purchasing goods worth at least £30, Pay in 3 should appear as an option. It only takes a few easy steps to apply for, and complete the sale.
Make your first payment on checkout. The second and third payments go out one and two months later respectively. You’ll get a reminder email from PayPal – and can keep an eye on your payment schedule, meaning you feel in control at all times.
What’s more, with this form of PayPal 0 interest applies, so you can enjoy PayPal credit interest free! (Equally, there are no set-up charges.)
Am I eligible?
As with Klarna, you’ll need to be at least 18, plus have a UK bank account and address. You’ll also need a PayPal account with a debit card linked to it. And, again, you may be subject to a ‘soft’ credit check to assess your credit-worthiness.
Be aware that your performance on PayPal Pay in 3 can affect your overall credit rating.
SplitPay – Pay later in 4
This buy now pay later women’s clothing option splits payments into four equal instalments.
What is it?
It’s all really straightforward. SplitPay does what is says on the tin in allowing you to pay later for something you just have to own now.
How does it work?
The first of your four payments is due once you check out your order. The remaining three are spread equally over 30 days, with no interest applied on any of your purchases, as long as your bill is paid off in full during those 30 days. So that you don’t forget, SplitPay will let you have a payment schedule and reminders.
Goods are shipped straight after you’ve made your first instalment. And SplitPay helps spread the cost of your items if you’re waiting for your next payday or credit card payment cycle. There’s also an app if you want to keep tabs on your spending on the move.
Am I eligible?
Just choose SplitPay as your payment option of choice at our checkout and as a first-time user you’ll get a prompt to complete a brief sign-up form. The decision process is immediate, allowing you to continue checking out your shopping easily. As mentioned, you’ll make your first payment at this stage and the remaining three payments over the next 30 days. We like to make life easy for Joy4Luxury customers, and SplitPay keeps things really simple. Again, there may be a soft credit check.
The application forms aren’t complicated, and you won’t be kept hanging around waiting to know if the process has been successful. Finally, SplitPay also takes security seriously, and works hard to protect your personal information.