Ergatta has partnered with Klarna and Affirm to provide you with monthly financing for as low as $56/mo. To apply, select "Klarna-Flexible Payments" or "Affirm-Flexible Payments" and select "Complete Order", at which point you'll be redirected to the partner's checkout portal to complete your application and receive your payment plan offer.

After verifying some information, they will conduct a soft credit check and present you with their offer for your payment plan. If you are not happy with the offer, you do not need to complete the purchase and can simply close out your screen. The order will not be confirmed until you approve the payment plan you are presented with.

Within 24-48 hours of placing your order, you will receive an email from Klarna or Affirm outlining your payment schedule and your purchase will be added to your account balance. If you already have a credit account the order amount of any purchases you make with the Financing option will be added to your total balance, provided the new purchase does not take you over your available credit limit with either partner.

No. When you apply for financing, Klarna and/or Affirm may perform a soft credit check, however this type of check will not impact your credit score or show up as a hard inquiry on your credit report. 

Monthly financing applications will take credit score and credit history into consideration when determining if the application is approved.

Affirm is available in all 50 states. 

Klarna Financing is not available in WV, MA, CT or IA, due to state regulations.

1. If you have placed a freeze on your credit score, Affirm/Klarna will be unable to offer you a financing plan. You will need to unfreeze your credit with the relevant credit bureau. If you attempted checkout and forgot to unfreeze your credit score beforehand, unlock your credit score and they will update your eligible status in 5-10 business days.
2. Even with excellent credit, Affirm may not offer you 0% APR. For details, please contact their customer service team. However, please note that they may not be able to provide you with any additional insight beyond “your credit eligibility is determined by the automated system.”

You can reach Affirm here or by downloading the Affirm App. You can also leverage their Help Center.

You can reach Klarna here or by downloading the Klarna App for 24/7 chat. You can also read their common FAQ page.

No problem - check out our Affirm/Klarna billing assistance page for additional support.