Are there requirements to use Shop Now, Pay Later services?
Yes, you’ll need:

  • An accepted debit or credit card
  • To be 18+ years old
  • A valid billing address
  • An SMS-capable phone number

How do I sign up?
If your shopping bag is eligible for 4 interest-free payments with Klarna, Affirm, Afterpay or any other Shop Now, Pay Later payment provider, the option will be presented at checkout. After confirming your phone number, you’ll be sent an SMS message to confirm your identity. You’ll then set up your payment method with your provider and accept the terms of your payment plan.

To use Shop Now, Pay Later payment providers in our stores, download their app/s and follow the instructions provided:

Download the Klarna app

Download the Affirm app

Download the Afterpay app

Download the Tabby app

Which payment methods are accepted?
Currently our payment partners accept all major debit and credit cards (i.e., Mastercard, Visa, AMEX, Discover). Please note, prepaid cards are not accepted.

What if I can’t make a payment?
Apply for easy monthly financing directly in the checkout, and slice your payment over up to 24 months. A simple, 2-step application will provide an instant approval decision. Once you’ve been approved, you’ll receive reminders and can manage your payments directly in the selected Payment Provider app. Monthly financing products are offered by our banking partners, members of FDIC. Please reach out to your Payment Partner’s customer service team and they’ll be happy to look into the options available.

Are there late fees?
A late fee of up to $7 may be charged if an automatic payment cannot be collected. Please see terms for full details.

What if I make a return?
If Lumiere receives your new or gently used item within 30 days of purchase, the purchase price will be refunded to your Payment Partner account and the amount and length of your payment plan will be adjusted accordingly.

Have more questions? Visit our Customer Care page. Please see terms for full details.