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 Tote & Carry’s website. APR and credit check are Klarna’s general terms.
Pay over time at Tote & Carry
Tote & Carry sells luggage sets, suitcases, duffles, backpacks and tote bags. We confirmed Klarna, Shop Pay Installments and Cash App Afterpay here.
- 3 options confirmed
- Checked Nov 11, 2026
- Travel
Ways to pay over time
Options and terms can change and depend on your credit. Confirm at checkout before you accept.
Pay later
Shop Pay Installments
- Minimum purchase
- $50 for Pay in 4
- APR
- 0% to 36%
- Credit check
- No impact to apply
Checked Nov 11, 2026 We saw Shop Pay Installments at the store’s checkout
Store offer, minimum and plan lengths are from Tote & Carry’s website. APR and credit check are Shop Pay Installments’s general terms.
Pay later
Cash App Afterpay
- APR
- 0% to 35.99%
- Credit check
- Soft check
Checked Nov 10, 2026 We saw Cash App Afterpay at the store’s checkout
Store offer, minimum and plan lengths are from Tote & Carry’s website. APR and credit check are Cash App Afterpay’s general terms.
Takes PayPal
PayPal (Pay Later inside PayPal)
Tote & Carry 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: Velvet Luxe 4-Piece Travel Trio + Packing Cubes Set in Black at $255.00 (price on Nov 11, 2026), paid monthly over 12 months with Klarna financing, where the store offers it.
Cash App Afterpay Pay in 4: 4 payments of $63.75 every 2 weeks, with no interest if you pay on time.
| APR | Monthly | Total paid | Interest |
|---|---|---|---|
| 0% | $21.25 | $255.00 | $0.00 |
| 19.99% | $23.62 | $283.45 | $28.45 |
| 35.99% | $25.62 | $307.40 | $52.40 |
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 Tote & Carry
- Pick your trip on totencarry.com.
- At checkout, choose Klarna, Shop Pay Installments or Cash App Afterpay. Shop Pay Installments shows as Shop Pay: choose it, then pick installments.
- Each one runs its own check. The cards above show which use a soft check and which can affect your credit.
- Compare the plans and the total cost, then accept only if the total works for you.
Questions about Tote & Carry financing
Does Tote & Carry offer financing?
Yes. We confirmed Klarna, Shop Pay Installments and Cash App Afterpay at Tote & Carry on Nov 11, 2026. Options can change, so check at checkout before you buy.
Will checking my rate at Tote & Carry 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 Tote & Carry store?
We checked online shopping at Tote & Carry only. If the store has physical locations, ask there whether financing is available.
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