Finance Page - Klarna

Multipure offers several financing options for your product purchase. Please review the following information for financing details.

• Financing is not available on subscription products, such as the Multipure Builder Webpage or Back Office.
• Returned purchases will be subject to any applicable finance fees from Klarna or PayPal. Financing fees are calculated from the time the order was placed to the time the order was returned. Any finance fees are applied by the financing company and cannot be adjusted or waived by Multipure.

Klarna offers two separate financing options, with the same requirements and state availability.

• Klarna financing is available on minimum purchases totaling $299 or more.
• Klarna financing is available in the U.S. and Puerto Rico with the exception of WV, MA & CT
• Klarna financing is not available in the U.S. Territories or Canada.

KLARNA PAY IN 4

Klarna “Pay in 4” splits the purchase total into 4 interest-free payments.

• The first payment is due at the time of purchase.
• Each of the next 3 payments is due at 2-week intervals after the first payment. So, the payments are split as follows:
• 
  
  • 1st payment: due at the time of purchase
  • 2nd payment: due 2 weeks after the initial purchase
  • 3rd payment: due 4 weeks after the initial purchase
  • 4th payment: due 6 weeks after the initial purchase

What are the minimum and maximum purchase requirements for Pay in 4?

• Pay in 4 is available on orders totaling $299-$999.

Is Pay in 4 available in every state?

• Pay in 4 is not available in New Mexico (NM) and Hawaii (HI).

Does Pay in 4 affect my credit score?

• Pay in 4 requires a soft credit check approval through Klarna, but does not affect your credit score.

What is the interest rate for Pay in 4?

• There is no interest on Pay in 4 purchases (0% interest rate).

KLARNA FINANCING: 3, 6, 9, 12, 24, 36, 48 MONTHS

Klarna Financing allows larger purchases to be split into monthly payments over a longer time period.

• Monthly payments are split over a 6- to 18-month period, depending on the purchase total. 

• • 6 months: $299-$999
  • 12 months: $300-$1,999
  • 18 months: $1,000-$3,499

Is Klarna Financing available in every state?

• Klarna Financing is not available in West Virginia (WV), Massachusetts (MA), or Connecticut (CT).

Does Klarna Financing affect my credit score?

• Klarna Financing approvals are determined through a soft credit check and do not affect your credit score.

What is the interest rate for Klarna Financing?

• The APR for Klarna Financing varies from 0%-24.99% based on your credit.

How does the Klarna Financing process work?

• Upon selecting “Monthly payments” through Klarna on a minimum purchase of $299, Klarna will check your credit and offer several plans of varying interest rates and durations.
• Review the plans you are eligible for, and select the monthly payment offer that works best for you.

Additional Information for Klarna Financing

• For additional information on Klarna financing, visit the following link:
  • https://www.klarna.com/us/customer-service/
• All financing questions will need to be directed to Klarna as Multipure will not have any information on the customer account or payment options from Klarna.
• You can contact Klarna customer service 24 hours a day, 7 days a week for questions about orders or accounts:
  • Email: customerservice@klarna.com
  • Phone:844.552.7621
  • Web chat: https://www.klarna.com/us/customer-service/ (click “Chat with us” at the bottom of the page)
• Klarna customer portal link: https://app.klarna.com/login

PayPal offers two separate financing options for your purchase. Some states may offer certain restrictions on financing.

PAYPAL PAY IN 4

PayPal “Pay in 4” splits the purchase total into 4 interest-free payments.

• The first payment is due at the time of purchase.
• Each of the next 3 payments is due at 2-week intervals after the first payment. So, the payments are split as follows: 

• • 1st payment: due at the time of purchase
  • 2nd payment: due 2 weeks after the initial purchase
  • 3rd payment: due 4 weeks after the initial purchase
  • 4th payment: due 6 weeks after the initial purchase

Is there a minimum or maximum purchase value?

• The minimum Pay in 4 purchase is $30.
• The maximum Pay in 4 purchase is $600.

Does Pay in 4 affect my credit score?

• Pay in 4 requires a soft credit check approval through PayPal, but does not affect your credit score.

What is the interest rate for Pay in 4?

• There is no interest on Pay in 4 purchases (0% interest rate).

What are the state restrictions on Pay in 4?

• Pay in 4 is not currently available to residents of MO, NV, NM, ND, WI, or any US Territories.
• Loans to California residents are made or arranged pursuant to a California Financing Law License.

Additional Information for Pay in 4

• You must be of legal age in your U.S. state of residence to use Pay in 4.
• PayPal, Inc. is a Georgia Installment Lender Licensee, NMLS #910457. Rhode Island Small Loan Lender Licensee.

PAYPAL FINANCING: 3, 6, 9, 12, 24, 36, 48 MONTHS

PayPal “Pay Monthly” allows larger purchases to be split into monthly payments over a longer period of time.

• The first payment is due 1 month after purchase.
• Monthly payments are split over a 6- to 24-month period.

Is there a minimum or maximum purchase value?

• The minimum Pay Monthly purchase is $199.
• The maximum Pay Monthly purchase is $10,000.

Does Pay Monthly affect my credit score?

• Pay Monthly is subject to consumer credit approval. A hard inquiry will be applied to your credit score.
• Missed payments may have an impact on your consumer credit report.

What is the interest rate for Pay Monthly?

• The APR for Pay Monthly is 9.99%-29.99% based on your credit.
• No interest will be charged on the purchase if you pay it in full within 6 months. If not paid in full within 6 months, interest will be charged on the purchase from the purchase date at the applicable Purchase APR for your account.
• For New Accounts, the Variable Purchase APR is 23.99%.
• Terms may vary based on the purchase amount. For example, a $600 purchase can be paid at 18% APR in 6 monthly payments ($105.34/mo.; $32.02 interest; $632.02 total of payments), 12 monthly payments ($55.02/mo.; $60.20 interest; $660.20 total of payments), or 24 monthly payments ($29.96/mo.; $119.07 interest; $719.07 total of payments).
• Payments may change based on shipping, taxes, updates to your purchase, or missed payments.

What are the state restrictions on Pay Monthly?

• Pay Monthly is currently not available to residents of CO, CT, HI, IA, ME, MA, NV, NH, NY, SD, TX, and VT.
• Loans to California residents are made or arranged pursuant to a California Financing Law License.

Additional Information for Pay Monthly

• You must be of legal age in your U.S. state of residence to use Pay Monthly.
• PayPal, Inc.: RI Loan Broker Licensee.
• The lender for Pay Monthly is WebBank.
• Questions regarding PayPal account and payments will need to be directed to PayPal through your PayPal account. Multipure will not have access to this information. https://www.paypal.com/us/signin