Pay over time with Buy Now, Pay Later

You can split some Whatnot purchases into payments using Klarna or Affirm. This is called Buy Now, Pay Later (BNPL) and is available for Buy It Now purchases (also known as ‘Buy Now’ or BIN) made in the Whatnot app.

Need help with payment options or issues? Try managing payment methods or fixing a payment error. 

When Buy Now, Pay Later is available 

You’ll see Klarna or Affirm at checkout only if your purchase meets all of the following:

• You're using the Whatnot app (iOS or Android)
• You're purchasing a Buy It Now (BIN) item
• The item meets the minimum price
  • Klarna: $/£/€10 or more
  • Affirm: $50 or more (US only)
• The item isn’t in a restricted category
  • Klarna: Not available for Knives & Hunting
  • Affirm: Not available for Coins & Money, Coins & Bullion, Paper Money & Currency, or Knives & Hunting
• You’re located in a supported region
  • Klarna: US, UK, Canada, Austria, Belgium, Germany, France, Netherlands
  • Affirm: US only

Note: BNPL isn’t available for purchases made on whatnot.com.

How to use Buy Now, Pay Later 

1. Tap Buy Now on an eligible item in the Whatnot app
2. Go to the Payment section and expand if collapsed
3. Under “Pay for this item over time”, choose Klarna or Affirm

4. Tap Continue with Klarna / Affirm
5. If prompted, enter your payment information
6. Tap Pay [amount] to continue to Klarna or Affirm
7. Enter your Klarna or Affirm account info
8. Choose a payment plan
9. Review your plan details and confirm your purchase 

After checkout, you can view your order details in the Purchases tab on Whatnot. 

Refunds

If your order qualifies for a refund under our Buyer Protection Policy, and your request is approved, Klarna or Affirm will update your payment schedule and/or issue a refund based on how much you’ve already paid.

FAQs

Why don’t I see BNPL as an option? 

If you don’t see the option to pay over time, your purchase may not be eligible.

Why am I seeing a recurring charge from Whatnot?

If you used Klarna or Affirm, it might be an installment payment. You can view your payment plan from your Klarna or Affirm account. 

Will BNPL affect my credit score?

It depends on the provider and the payment plan. Visit Klarna or Affirm to learn more. 

Can I change the payment method I used for BNPL?

No. You can’t change the payment method on Whatnot once you confirm your Klarna or Affirm payment plan. You may be able to update the card or bank account linked to your plan directly in Klarna or Affirm.

Need more help? 

• Contact Whatnot support
• Klarna customer service
• Affirm customer care