Pay over time at Ulta Beauty

Ulta Beauty is a beauty retailer selling makeup, skincare, hair care and fragrance, with salon services in its US stores. 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

Store offer
Pay in 4 or financing
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 Ulta Beauty’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 Ulta Beauty’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)

Ulta Beauty 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 Ulta Beauty

  1. Add what you want to your cart on ulta.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 Ulta Beauty financing

Does Ulta Beauty offer financing?

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

Does Ulta Beauty offer 0% APR?

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

Will checking my rate at Ulta Beauty 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 Ulta Beauty store?

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

More stores: Beauty & personal care

All beauty & personal care financing stores

Meedsy is not a lender and does not make credit decisions. “Visit” links may be affiliate links, and we may earn a commission. That never changes which stores we list or what we say about them. Store names and logos belong to their owners. How we make money