Pay over time at Back Market

Back Market is a marketplace for refurbished phones, laptops, tablets and other tech with warranties. We confirmed Klarna, Affirm, Cash App Afterpay and PayPal Pay Later 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

Store offer
Pay in 4
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 Back Market’s website. APR and credit check are Klarna’s general terms.

All Klarna stores and terms

Pay later

Affirm

Minimum purchase
Often $50
APR
0% to 36%
Credit check
Won't affect your score

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

Store offer, minimum and plan lengths are from Back Market’s website. APR and credit check are Affirm’s general terms.

All Affirm stores and terms

Pay later

Cash App Afterpay

APR
0% to 35.99%
Credit check
Soft check

Checked Nov 10, 2026 The store’s website says it offers Cash App Afterpay

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

All Cash App Afterpay stores and terms

Pay later

PayPal Pay Later

APR
0% to 35.99%
Credit check
Soft check

Checked Nov 10, 2026 The store’s website says it offers PayPal Pay Later

Store offer, minimum and plan lengths are from Back Market’s website. APR and credit check are PayPal Pay Later’s general terms.

All PayPal Pay Later stores and terms

How to pay over time at Back Market

  1. Add what you want to your cart on backmarket.com.
  2. At checkout or on the store’s financing page, choose Klarna, Affirm, Cash App Afterpay or PayPal Pay Later.
  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 Back Market financing

Does Back Market offer financing?

Yes. We confirmed Klarna, Affirm, Cash App Afterpay and PayPal Pay Later at Back Market on Nov 10, 2026. Options can change, so check at checkout before you buy.

Does Back Market offer 0% APR?

Back Market mentions this offer on its website: Pay in 4. Whether you get it depends on your credit and the plan you choose. Check the APR before you accept.

Will checking my rate at Back Market 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 a Back Market store?

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

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