Pay over time at American Eagle

American Eagle is a casual apparel brand best known for jeans, plus tops and outerwear; also home to Aerie intimates. We confirmed Klarna and Cash App Afterpay here.

Ways to pay over time

Options and terms can change and depend on your credit. Confirm at checkout before you accept.

Pay later

Klarna

APR
0% to 35.99%
Credit check
Soft for Pay in 4

Checked Nov 10, 2026 The store’s website says it offers Klarna

Store offer, minimum and plan lengths are from American Eagle’s website. APR and credit check are Klarna’s general terms.

All Klarna stores and terms

Pay later

Cash App Afterpay

APR
0% to 35.99%
Credit check
Soft check

Checked Nov 10, 2026 Cash App Afterpay is set up on the store’s website

Store offer, minimum and plan lengths are from American Eagle’s website. APR and credit check are Cash App Afterpay’s general terms.

All Cash App Afterpay stores and terms

Takes PayPal

PayPal (Pay Later inside PayPal)

American Eagle takes PayPal at checkout. We didn't see Pay Later advertised on its site, but for eligible US orders Pay in 4 usually shows inside the PayPal window. Check there before you rely on it.

Checked Nov 10, 2026

PayPal Pay Later terms and stores

How to pay over time at American Eagle

  1. Add what you want to your cart on ae.com.
  2. At checkout or on the store’s financing page, choose Klarna or Cash App Afterpay.
  3. Each one runs its own check. The cards above show which use a soft check and which can affect your credit.
  4. Compare the plans and the total cost, then accept only if the total works for you.

Questions about American Eagle financing

Does American Eagle offer financing?

Yes. We confirmed Klarna and Cash App Afterpay at American Eagle on Nov 10, 2026. Options can change, so check at checkout before you buy.

Will checking my rate at American Eagle affect my credit score?

Klarna Pay in 4 uses a soft credit check, which does not affect your score. Monthly financing needs a credit check when you apply, and the loan may be reported to credit bureaus.

Can I use Klarna in an American Eagle store?

We checked online shopping at American Eagle only. If the store has physical locations, ask there whether financing is available.

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