Flexible Payments for the Elite

It always pays to shop responsibly, but sometimes you can be flexible in the way you do that. Here at My Elite Wardrobe, 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

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 for all essentials Klarna could be absolutely right for you.

What is it?

This Swedish fintech firm’s services essentially mean that with Klarna, all your home essentials, garden needs, sporting goods, pet comfort, all kid’s stuff, 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, a dream home revamp, a new garden set, and a pink chair-to-sit pretty 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 Myelitewardrobe.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 or Pay later

This is an alternative if you’re looking into buy now pay later for all your needs

What is it?
Previously called Bill Me Later, PayPal Credit is a payment method many well-known merchants – including My Elite Wardrobe – 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 stuff 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.