Financing

What is Klarna?

Klarna is a popular pay-over-time provider that lets eligible customers split purchases into smaller payments. If Klarna is enabled on your checkout, you may see it as an option.

What is Pay in 4 and how does it work?

Pay in 4 allows you to split your total into four payments, usually paid every two weeks. In many cases, the first payment is collected when your order ships and the remaining payments are collected automatically afterwards.

Who can use Klarna?

Eligibility rules can vary, but commonly you may need to:

• Be a resident of the United States (or eligible territories, where available)
• Be at least 18 years old
• Have a valid debit/credit card or bank account
• Have a history that meets the provider’s eligibility checks
• Be able to receive verification codes by text (if required)

Which payment methods are accepted?

Most pay-over-time providers accept major debit and credit cards, and some also support bank account (ACH) payments. Some prepaid cards may not be supported depending on the provider.

Where can I use Pay in 4?

Availability depends on your location and the provider’s rules. If Pay in 4 is available for your order, you’ll see it during checkout.

If there’s an issue with my order, do I still need to pay for it?

If you received the wrong item or something arrives damaged, contact us first so we can help. If you used a financing provider, they may also allow you to report an issue inside their app while the case is being reviewed.

What happens if I need to make a return?

Follow our return instructions first. If you used a financing provider, you may also need to report the return inside the provider’s app so your payment schedule can be updated correctly.

Has the provider received my payment?

Most providers send an email confirmation after a successful payment. You can also verify payment status inside the provider’s app.

Can I pay before the due date?

In many cases, yes. You can often make early payments (or pay the remaining balance) from the provider’s app under your purchase details.

What happens if I don’t pay on time?

If a payment fails, providers typically retry collection and notify you. Depending on the provider and your agreement, late fees may apply. Always review the terms shown during checkout for the most accurate details.

Don’t see your question here?

Reach out to us anytime at info@zensaunas.com or call 866-975-0517.