Afterpay FAQs
What is Afterpay?
Afterpay is a service that allows us to offer our customers the ability to make purchases now and pay for them over time. Customers using the pay-in-4 option pay for their purchase total in four interest-free installments over six weeks. And customers get additional time to pay for high value orders when they use the monthly payments option, an installment -based lending product. To learn more, visit www.afterpay.com.
How do I use Afterpay online?
Just shop on Hibbett.com and checkout as usual. At checkout, choose Afterpay as your payment method. Log in or create an account and complete your order—it’s that easy!
Please note, all items in your shopping bag must be eligible for Afterpay, and the order value must be above $30.
Please note, all items in your shopping bag must be eligible for Afterpay, and the order value must be above $30.
What cards can I use with Afterpay?
Afterpay accepts credit and debit cards from Mastercard, and Visa which were issued in your country of residence. They also accept digital forms of payment such as Apple Pay, Google Pay and Cash App Pay. Pre-paid cards cannot be stored in your account, but you can use them to make one off payments.
If eligible, you also have the option to link your checking account to your Afterpay account.
Why can’t I use my Capital One card to make Afterpay payments?
Capital One recently made a decision to prevent their credit cards from being used to make Afterpay purchases and payments.
Afterpay accepts debit or credit cards, including Mastercard or Visas.
Note: Afterpay does not accept foreign issued cards for overseas banks or cards issued by Buy Now Pay Later providers.
Why can’t I use my Capital One card to make Afterpay payments?
Capital One recently made a decision to prevent their credit cards from being used to make Afterpay purchases and payments. Afterpay accepts debit or credit cards, including Mastercard or Visas.
Are there extra fees when I use Afterpay?
Afterpay’s pay-in-4 option is always interest free. There are no fees associated with the account as long as installments are paid on time, according to the payment schedule (provided at the time of order confirmation). A late fee may be charged when an installment for an order is not paid within 10 days after the payment due date (unless otherwise noted on your payment schedule). Afterpay will only ever charge up to one late fee per installment and the total amount of late fees charged on an order will never exceed 25% of your initial order value (unless indicated otherwise on your payment confirmation email or during the checkout process).Although this 10 day grace period is provided before Afterpay charges a late fee, the Afterpay system reviews customer repayment history for future purchases, so Afterpay encourages payment of your installment as soon as possible.
Afterpay’s longer term monthly payments option may include interest. If your installment loan includes interest, you will be able to see the amount you will owe before completing the purchase. Interest is capped and there are no late fees, loan origination fees, or other fees.
Afterpay Returns
Returning an online purchase in-store and receiving a refund in cash or to your credit/debit card does not cancel your Afterpay loan. You are still obligated to repay Afterpay according to the terms of your loan.
Additional Afterpay FAQs
Please visit our customer service center for additional Afterpay order help and FAQs.
PayPal FAQs
For more information about PayPal eligibility and FAQs please click here.
Are there extra fees when I use Afterpay?
Afterpay’s pay-in-4 option is always interest free. There are no fees associated with the account as long as installments are paid on time, according to the payment schedule (provided at the time of order confirmation). A late fee may be charged when an installment for an order is not paid within 10 days after the payment due date (unless otherwise noted on your payment schedule). Afterpay will only ever charge up to one late fee per installment and the total amount of late fees charged on an order will never exceed 25% of your initial order value (unless indicated otherwise on your payment confirmation email or during the checkout process).Although this 10 day grace period is provided before Afterpay charges a late fee, the Afterpay system reviews customer repayment history for future purchases, so Afterpay encourages payment of your installment as soon as possible.
Afterpay’s longer term monthly payments option may include interest. If your installment loan includes interest, you will be able to see the amount you will owe before completing the purchase. Interest is capped and there are no late fees, loan origination fees, or other fees.
Afterpay Returns
Returning an online purchase in-store and receiving a refund in cash or to your credit/debit card does not cancel your Afterpay loan. You are still obligated to repay Afterpay according to the terms of your loan.
Klarna FAQs
How does Klarna work?
Add the items you love to your bag. Select Klarna at checkout to split your purchase into four equal payments, charged every two weeks beginning at the time your order is confirmed (usually the shipping date), or over a longer period of time with Klarna's Pay in 30, Pay Now and monthly financing options.
Klarna will send you an email confirmation and payment reminders.
Klarna will send you an email confirmation and payment reminders.
What do I need to sign up for Klarna financing?
To sign up for Klarna financing, you must be age 18+ and have an SMS-capable phone number, US-issued debit or credit card and a US residential address.
How do automatic payments work?
Payments are collected bi-weekly from the debit or credit card you provide at the time of purchase. All scheduled payments are communicated to you by email and you can review your purchases by logging in at https://app.klarna.com/login.
Is there a fee to use four interest-free installments?
There are no fees when you follow the payment schedule. Please review product terms for applicable fees.
How do returns work with Klarna?
Returns via mail – Once your return has processed, any payments already made will be refunded to your original payment method and any remaining payments will be canceled. If the refund is for less than the full order amount, your order balance will be updated.
Returns in store– When returning in-store, you will receive a refund for the entire cost of the item. If the item cost has not yet been fully paid, Klarna will continue to collect the remaining balance.
Returns in store– When returning in-store, you will receive a refund for the entire cost of the item. If the item cost has not yet been fully paid, Klarna will continue to collect the remaining balance.
Why do I have an authorization hold on my account if no order was placed?
Once your payment information has been entered, Klarna performs a soft credit check. An authorization hold is placed on your account at this time. If no order is placed, the authorization is typically released within 60 minutes.
Are all four payments required before an order ships?
No. When your order ships, the first payment will be deducted. Three more payments will be deducted every two weeks.
Are prepaid Credit / Debit cards accepted?
No. An error message will display if attempting to use a prepaid credit or debit card.
Is Klarna available in the Hibbett App?
Yes. Klarna is an available payment method both in the app and online.
Can you use Klarna in a Hibbett store?
Klarna is available at select Hibbett locations. Please contact your store for more information.
What if I have a question about my payments or a refund already processed?
Please contact Klarna directly using one of the options offered above.
Didn't find the answer to your question here?
For additional information and more frequently asked questions, visit Klarna Customer Support.
Additional Klarna FAQs
Please visit our customer service center for additional Klarna order help and FAQs.
Affirm FAQs
Affirm Returns Policy: Returning an online purchase in-store and receiving a refund in cash or to your credit/debit card does not cancel your Affirm loan. You are still obligated to repay Affirm according to the terms of your loan.
How does Affirm work?
Affirm strives to keep you out of unhealthy debt by facilitating fair, transparent credit so you can pay over time for the things you love. With Affirm, you'll never owe more than what you agree to up front. Instead, you'll always get a flexible, transparent, and convenient way to pay over time.
No fees
We don't charge any fees. That means no late fees, no prepayment fees, no annual fees, and no fees to open or close your account.
Interest
Your APR may be different depending on your creditworthiness and where you are shopping. The APR for your plan will be shown when you check out with Affirm.
At checkout, we always show the total amount of interest you'll pay. This way, you always know what you're getting into. If you pay faster than agreed, you might be charged less interest.
For Affirm Card purchases, the plan total may differ from what you saw at checkout. Refer to the email you received when your payment plan was finalized to see the final payment plan balance and installment amounts.
How does interest work?
What is interest?
Interest is the cost of borrowing money. When you take out a loan, lenders may charge an interest rate for using their money to pay up front for the purchase. At Affirm, we use simple interest for our loans. This means interest is only calculated based on the original loan amount, called the principal. This is different from compound interest, which calculates interest based on both the principal and the interest already accrued, which can lead to a larger total amount owed.
How is my interest rate decided?
Your interest rate, which is displayed as an annual percentage rate (APR), is based on several factors, including your credit history, the price of the item, the store, and how well you've paid off loans in the past. Each time you apply for a loan, we review your application separately, so the offered rate (or rates) may be different each time.
If your application is approved, you may see up to three payment plan options. Each option will show:
The total payment amount
How often payments are due
The length of the loan
The interest rate, or Annual Percentage Rate (APR)
The total interest you’ll pay over the loan period
Having all this information helps you pick the best plan for your needs.
Can my interest rate be changed?
The APR you’re offered cannot be changed. Carefully review the options before selecting the plan you’d like and confirming your loan agreement, as the interest rate on your loan cannot be changed once confirmed.
Does the timing of my payments impact my interest?
Potentially. If you pay off your loan in full early or make payments earlier than required by your payment schedule, this may reduce the total amount of interest you are required to pay. And don’t worry, you’ll never pay more interest than what you agreed to at when your loan was finalized.
How do returns work with Affirm?
Returning an online purchase in-store and receiving a refund in cash or to your credit/debit card does not cancel your Affirm loan. You are still obligated to repay Affirm according to the terms of your loan.
Understanding my credit.
What does Affirm report to the credit bureau?
Beginning April 1, 2025, all Affirm payment plans and the associated repayment activity will be reported to Experian. Additionally, Affirm will begin reporting this information to TransUnion on May 1, 2025, and may report to other credit bureaus in the future.
Payment plans originated prior to April 1, 2025 may or may not be reported, depending on the type of payment plan, whether you already had an Affirm payment plan reported, and any history of delinquent payments on the payment plan.
Note: A payment plan’s origination date is the next business day after the plan is processed. You can see the date your payment plan processed in your payment schedule online or via the Affirm app. For more information on how to view your payment schedule, click here.
To find out what to do if you believe there is an inaccuracy in the reported information, reference the "Credit Reports and Monitoring" and “Credit Bureau Disputes” sections in your payment plan agreement by following the steps below.
Open the Affirm app.
Tap the Manage tab.
Tap the payment plan you would like to review terms for.
Tap Details.
Tap Loan terms.
If you need immediate repayment confirmation, click here to view your loan verification document.
When will my payment history appear on my credit report?
We report batches of information to Experian and TransUnion that covers your repayment information within a specific time period. If your payment plan includes furnishing, payments may take 30-60 days to appear on your credit report, depending on the date your payment was made and the date it was reported to Experian or TransUnion.
The status of the payment plan will show as the date our last report was sent to Experian or TransUnion. If you made a payment or paid off the payment plan after that date, the data will not change until our next report is sent. The status will continue to reflect late payments and charged off payment plans even if the plan becomes current or has since been paid off.
Affirm has a regulatory obligation to report accurate payment plan and repayment information (positive or negative) to the credit bureau and can only change reporting when an inaccuracy is identified.
How do I get an update on an open case?
To get an update on an open case, reach back to Affirm using the options below:
Via the Secure Messaging Portal (SMP)
Secure Messaging Portal provides Affirm and its customers a protected way to communicate, especially with sensitive information. If you received communication via the Secure Messaging Portal, you can go back to the most recent SMP communication you received and reply to it as it's automatically tied to your existing case. Usually, we'll reply back within 3 - 5 days.
Via Affirm Live Chat
Chat with us between the hours of 7:00 am to 7:30 pm Eastern Time Monday - Friday. Once you provide our agents with your request details, they'll be able to locate your case and give you an update if available.
Via Phone
Call us at 855-423-3729 between the hours of 8:00 am and 11:00 pm Eastern Time seven days a week. We recommend providing our agents with additional information to help locate your case (such as the case ID, request details, or the loan ID)
Via Email
You can find an email communication from your previous interaction related to your request and reply to it with additional questions. Our customer care team will look into it and give you an update if available.
What if I have a question about my payments or a refund already processed?
Please contact Affirm directly using one of the options offered above.
Additional Affirm FAQs
Please visit our customer service center for additional Affirm order help and FAQs.