Pay later
Klarna
- APR
- 0% to 35.99%
- Credit check
- Soft for Pay in 4
Checked Nov 10, 2026 We saw Klarna at the store’s checkout
Store offer, minimum and plan lengths are from Smartwool’s website. APR and credit check are Klarna’s general terms.
Pay over time at Smartwool
Smartwool is a merino wool apparel brand selling hiking socks, base layers and sweaters. We confirmed Klarna here.
- 1 option confirmed
- Checked Nov 10, 2026
- Clothing & shoes
Ways to pay over time
Options and terms can change and depend on your credit. Confirm at checkout before you accept.
Takes PayPal
PayPal (Pay Later inside PayPal)
Smartwool 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
What a plan could cost
Example: Women's Second Cut™ Fleece Jacket at $175.00 (price on Nov 10, 2026), paid monthly over 12 months with Klarna financing, where the store offers it.
Klarna Pay in 4: 4 payments of $43.75 every 2 weeks, with no interest if you pay on time.
| APR | Monthly | Total paid | Interest |
|---|---|---|---|
| 0% | $14.58 | $175.00 | $0.00 |
| 19.99% | $16.21 | $194.52 | $19.52 |
| 35.99% | $17.58 | $210.96 | $35.96 |
For illustration only, before tax and shipping. Your APR depends on your credit and the plan. 0% APR is only possible if the store runs a 0% offer and you qualify.
How to pay over time at Smartwool
- Add what you want to your cart on smartwool.com.
- At checkout, choose Klarna as your payment method.
- Klarna runs a quick check. Pay in 4 uses a soft credit check; monthly financing needs a credit check when you apply.
- Compare the plans and the total cost, then accept only if the total works for you.
Questions about Smartwool financing
Does Smartwool offer financing?
Yes. We confirmed Klarna at Smartwool on Nov 10, 2026. Options can change, so check at checkout before you buy.
Will checking my rate at Smartwool 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 Smartwool store?
We checked online shopping at Smartwool only. If the store has physical locations, ask there whether financing is available.
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