YAY NOW, PAY LATER

Shop now. Pay later.

With Klarna, you can buy what you love today and split the cost of your order into 4 interest-free payments.

1

Shop Your Faves

Add items to your bag (just make sure the total is at least $10).

2

Choose Klarna at Checkout

Your purchase will be split into 4 equal payments; you’ll see the first charge when your order ships.

3

Place Your Order

The remaining 3 payments will be automatically charged to your debit or credit card every two weeks.

That’s it! No interest, no fees, if paid on time, and no need to create an additional account. And don’t worry—you’ll get notifications when your payment is due and when it’s collected. 

*CA resident loans made or arranged pursuant to a California Finance Lenders Law license. Monthly financing through Klarna issued by WebBank, member FDIC.

 

PAY LATER Qs

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How does Klarna work?

JOY RIOT! has partnered with Klarna so you can YAY! Now Pay Later! Youuuu’re WELCOME.

Here’s How It Works:

1. Shop It Up – Choose your favorite JOY RIOT!® statement piece products & toss them into your bag in a blaze of glory!

2. Tap Klarna At Checkout – Enter your details for instant approval. Klarna splits your purchase into 4 equal payments. WOO.

3. Place Your Order – Your first payment hits your account when your order ships. Your remaining 3 payments are charged automatically to your debit or credit card every 2 weeks. Spacious & gracious, right?

4. Bask In The Glow Of An Interest Free Payment Plan That Feels GOOD – That’s it. Just BASK.

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Cool, cool, cool – so what exactly is Klarna?

Klarna is a fabulous payment method for you to get what you want today & pay for it over time. Basically, you can turn any purchase into 4 smaller interest-free payments* with no added fees.

It’s also the leading alternative payment provider whose services are used by over 450,000 retail stores & trusted by 147 million shoppers globally. Check out more here.

 

*CA resident loans are arranged according to a California Finance Lenders Law license. Monthly financing through Klarna is issued by WebBank, member FDIC.

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Are there any requirements to use Klarna?

Yup! But fr, they’re pretty easy. You’ll need:

  • A US-issued debit or credit card
  • To be 18+ years old
  • A US billing address
  • A phone number that can get texts (SMS)
  • The items in your bag to total at least $10
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LOVE THIS FOR ME. How do I sign up?

If your shopping bag is eligible for Klarna’s 4 interest-free payments on joyriot.co, you’ll see the option to use Klarna at checkout.

After confirming your phone number, you’ll get an SMS text message to confirm your identity. Then you can set up your payment method with Klarna & accept the terms of your payment plan. Voilà!

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What payment methods can I use?

Klarna currently accepts all major debit & credit cards (Visa, AMEX, Discover, Mastercard). Prepaid cards are not accepted. Neither are winks, shimmies, or high fives, but don’t let that stop you from trying!

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How safe is it?

Klarna has solid anti-fraud controls in place to protect you & prevent dodgy AF peeps from making unauthorized purchases.

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Does where I’m located impact my ability to use Klarna?

Yes. Klarna is not currently available for JOY RIOTers living in Hawaii, New Mexico, US Territories (excluding Puerto Rico), or those with APO/FPO/DPO addresses.

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What happens if I don't pay for my order / have trouble making payments on time?

DOOM! JK. Klarna will automatically attempt to collect payment for your purchase from the card you entered at checkout.

You’ll see when your payments will be collected in the email you receive at the time of purchase or by logging into your Klarna account.

If you need extra time to make a payment, just log into the Klarna app, go to the “Purchases” page, select “Payment Options,” & “Extend Due Date.”

If the automatic payment fails, Klarna will try again after 7 days. If this payment also fails, Klarna will make another attempt after another 7 days (14 days after the first attempt).

If you need more help, just reach out to Klarna’s customer service team and they’ll be happy to look into your options. You can contact them 24/7 (so good, right?) in the Klarna app or at klarna.com.

Oh, & GOOD NEWS – your credit score will not be impacted even if you haven’t paid on time.

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Are there late fees?

Yes, but they’re in the single digits! A late fee of up to $7 may be charged if an automatic payment can’t be collected. Check out Klarna’s terms for full details.

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Will using Klarna affect my credit score?

NOPE. When you choose 4 interest-free payments, Klarna may perform a soft credit check, but that will not impact your credit score or show up as a hard inquiry on your credit report.

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What if I need a refund for a product that was damaged in transit?

We got you. JOY RIOT! processes refunds for Klarna orders exactly like orders made with other payment methods.

Once you’ve emailed us pics of your damaged items & your refund is initiated, we’ll send a refund transaction to Klarna where they’ll adjust your payment plan accordingly.

For more info, see the JOY RIOT! return policy here & Klarna’s return policy here.

Need hella helpful links for Klarna’s website, app, login, customer service, or terms?

Check out Klarna’s website https://www.klarna.com/us/what-is-klarna/

Download the Klarna app 

Log in to your Klarna account

Chat it up with Klarna’s customer service

See Klarna’s terms

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Accessibility  |  Do Not Sell My Personal Information