Back Market partners with several buy-now-pay-later (BNPL) providers so you can spread the cost of your purchase into smaller payments. Availability depends on your country. You will see all eligible installment options at checkout.
Approval is handled entirely by the BNPL provider. Back Market does not control or influence the decision. If you are declined, please contact the provider directly.
Klarna
What is Klarna and how does it work?
Klarna is a Swedish payment provider that lets you delay or split your payment. Depending on your country, the following options may appear at checkout:
Markets | Plan | How it works |
Germany, Austria, Netherlands, Finland, Sweden, United Kingdom, Belgium | Pay Later (30 days) | Pay nothing upfront. The full amount is due 30 days after purchase, but can be extended to 60 days for a fee. |
Germany, France, Spain, Italy, Portugal, Netherlands, United Kingdom | Pay in 3 | Split into 3 equal monthly installments, interest-free. First payment at purchase. |
United States | Pay in 4 | Split into 4 equal biweekly installments, interest-free. First payment at purchase. |
United Kingdom | Pay in 6 | Split into 6 equal monthly installments. Interest rates vary depending on the credit agreement offered but will be clearly displayed at checkout. Back Market may occasionally run promotional campaigns offering 0% interest on eligible orders. |
United Kingdom | Pay in 12 | Split into 12 equal monthly installments. Interest rates vary depending on the credit agreement offered but will be clearly displayed at checkout. Back Market may occasionally run promotional campaigns offering 0% interest on eligible orders. |
For Pay in 6 or Pay in 12 (UK financing only):
If you have a complaint or question about your Pay in 6 or Pay in 12 financing agreement, contact Klarna directly. Back Market isn't able to investigate, resolve, or make commitments regarding financing-related complaints on Klarna's behalf.
For all other Klarna plans:
Back Market doesn't have access to Klarna approval decisions or payment schedules.
PayPal
What is PayPal and how does it work?
PayPal offers installment options that let you spread the cost of your purchase over time, interest-free. Depending on your country, the following plans may appear at checkout when you select PayPal:
Markets | How it works | Plan |
United Kingdom - Italy | Split into 3 equal monthly installments, interest-free. First payment at purchase. | Pay in 3 |
United States - France - Spain - Australia | Split into 4 equal installments every 2 weeks, interest-free. First payment at purchase. | Pay in 4 |
Germany | Pay nothing upfront. The full amount is due 30 days after purchase. | Pay in 30 days |
United States | Finance your purchase over several months. Terms and rates are shown before you confirm. | Pay Monthly |
Eligibility
You must have a PayPal account in the country where the installment option is offered.
PayPal runs its own approval process in the background. Only the options you're eligible for will appear at checkout.
Approval isn't guaranteed and may depend on your PayPal account history, payment record, and the order amount.
Refunds on PayPal installment orders
Full refund: PayPal cancels your remaining installments and refunds any payments already made to your PayPal account or linked payment method.
Partial refund: PayPal may recalculate your remaining installment schedule. You'll receive an updated schedule in your PayPal account.
Processing time: Refunds take up to 10 business days to process.
Need help?
Back Market doesn't have access to PayPal installment approval decisions or payment schedules.
Oney
Refunds on Oney orders
Installments already paid are refunded to the bank account used for the purchase.
Future installments are canceled.
Processing time: Refunds take up to 10 business days to process.
In rare cases, Oney may debit the next installment before the cancellation takes effect. If this happens, the extra amount is refunded automatically within a few days.
Affirm
What is Affirm and how does it work?
Affirm is a US-based lender that lets you finance your purchase over 3, 6, 12, or 18 months. Unlike other Buy now, pay later (BNPL) options on Back Market, Affirm is a loan product with interest.
Interest rates range from 10% to 36% APR, depending on Affirm's assessment of your credit profile.
Your total cost (principal + interest) and monthly payment amount are shown before you confirm.
There are no hidden fees and no late fees.
Eligibility
Affirm is available in the United States only.
You must be 18 or older (19 in Nebraska if a ward of the state).
A US-registered phone number and the last 4 digits of your Social Security number are required for identity verification.
Affirm runs a soft credit check that doesn't affect your credit score. Approval isn't guaranteed.
Refunds on Affirm orders
If your order is fully refunded, Affirm cancels your loan. Any installments already paid are refunded to your bank account.
Interest already paid isn't refundable.
If your order is partially refunded, Affirm recalculates your remaining loan balance and installment schedule. You'll receive an updated schedule by email.
Processing time: Refunds take up to 10 business days to process.
Need help?
You can also reach Affirm by phone at 855-423-3729.
Back Market does not have access to Affirm loan decisions or payment schedules.
Clearpay
What is Clearpay and how does it work?
Clearpay is a payment service that lends UK customers a fixed amount of credit to make purchases instantly and then pay for them in 4 automatic instalments, made every 2 weeks, without any interest (late fees apply). Please use Clearpay responsibly.
The service is provided by Clearpay Finance Ltd. Clearpay Plans are deemed authorised and regulated by the Financial Conduct Authority for the purposes of the Temporary Permission regime for Regulated Deferred Payment Credit.
How do I use Clearpay?
Shop on Back Market and check out as normal. At checkout, choose Clearpay as your payment method. Clearpay will redirect you to log in or create an account and provide your payment details (Visa or Mastercard).
If you've used Clearpay before, log in to complete your order.
Who can use Clearpay?
Clearpay is only available to permanent UK residents 18 or older (excluding the Channel Islands) with a UK billing address. Customers with international billing addresses can't use Clearpay or create a Clearpay account. Other eligibility criteria apply, including creditworthiness and affordability assessments.
How does the Clearpay payment schedule work?
Clearpay will split the total value of your order into 4 instalments payable every fortnight. The exact amounts and dates will be displayed for you to agree to before you confirm your purchase
If you'd like to make additional payments before they're due, you may log in to your Clearpay account to make your payments early. Clearpay will then adjust the amount owed accordingly.
You can log in to your Clearpay account at any time to view your payment schedule or make a payment before the next due date.
What if I can't pay a Clearpay instalment?
If you cannot make a payment, contact Clearpay for support.
As soon as you miss a payment, Clearpay will immediately stop you from making any further purchases with Clearpay. Clearpay will give you until 11 PM on the following day to make your repayment, and you'll then incur a late fee if you are still unable to make the payment by then. This will be an initial £6 and a further fee of £6 if the missed payment is not made within 7 days. If your order is less than £24, the total late fee will be £6. If your order is £24 or more, total late fees won't exceed 25% of the total order value or £24, whichever is less.
Late payments may affect future spending limits. Clearpay may also report your late payment data to credit reference agencies. This could have a negative impact on your credit file and could make it harder to get credit in the future. Clearpay debt may be passed to a debt collection agency. This may affect your ability to use Clearpay in the future.
Refunds on Clearpay orders
Back Market processes the refund first. The refund is then reflected in your Clearpay account.
Instalments already paid are refunded to the card used for payments (up to 10 business days).
Future instalments are cancelled. Until Back Market confirms receipt of any returned goods, you remain responsible for making your scheduled payments to Clearpay.
If Back Market issues a refund directly to your card or wallet instead of through Clearpay, you must still pay your remaining Clearpay instalments separately.
Need help?
Back Market doesn't have access to Clearpay payment information.
Scalapay
What is Scalapay and how does it work?
Scalapay lets Italian customers split their purchase into 3 monthly installments, interest-free. No paperwork is required. The first installment is charged at purchase. The remaining 2 are automatically debited monthly.
Eligibility
Scalapay is available in Italy only. You must be domiciled in Italy and the delivery address must be in Italy.
You must use an Italian bank card (credit or debit). Cards not accepted: Electron, Maestro, American Express, and e-card.
Your card must remain valid for at least 2 months past the final installment date.
You must have the full order amount available in your account at the time of purchase, even though only the first installment is charged immediately.
The seller must have activated installment payments for the item.
Refunds on Scalapay orders
Installments already paid are refunded to the bank account used for the purchase.
Future installments are canceled.
Processing time: Refunds take up to 10 business days to process.
In rare cases, Scalapay may debit the next installment before the cancellation takes effect. If this happens, the extra amount is refunded automatically within a few days.
Need help?
Back Market doesn't have access to Scalapay approval decisions.
Afterpay
What is Afterpay and how does it work?
Afterpay lets Australian customers split their purchase into 4 equal installments over 6 weeks, interest-free. The first installment (25%) is charged at purchase. The remaining 3 are automatically debited from your card every 2 weeks.
Eligibility
Afterpay is available in Australia only.
Afterpay runs its own electronic verification and approval process.
New customers have a spending cap of AUD 600. You can still purchase above the cap by paying the difference upfront in the first installment.
Approval isn't guaranteed. If declined, contact Afterpay directly or choose another payment method.
Refunds on Afterpay orders
Back Market processes the refund first.
If all installments have been paid, Afterpay refunds you directly within up to 10 business days.
If installments are still outstanding, Back Market refunds the full amount, but you must continue paying your remaining Afterpay installments until the refund is applied to your Afterpay account.
Need help?
Back Market doesn't have access to Afterpay payment information.