Pay over time at Upway

Upway is a marketplace for certified refurbished and used e-bikes from major brands. We confirmed Klarna, Affirm, Shop Pay Installments, Cash App Afterpay and Splitit 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 Upway’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 Upway’s website. APR and credit check are Affirm’s general terms.

All Affirm stores and terms

Pay later

Shop Pay Installments

Minimum purchase
$50 for Pay in 4
APR
0% to 36%
Credit check
No impact to apply

Checked Nov 10, 2026 We saw Shop Pay Installments at the store’s checkout

Store offer, minimum and plan lengths are from Upway’s website. APR and credit check are Shop Pay Installments’s general terms.

All Shop Pay Installments 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 Upway’s website. APR and credit check are Cash App Afterpay’s general terms.

All Cash App Afterpay stores and terms

Card installments

Splitit

Cost
No Splitit interest
Credit check
None

Checked Nov 11, 2026 The store’s website says it offers Splitit

Store offer, minimum and plan lengths are from Upway’s website. Cost and credit check are Splitit’s general terms.

All Splitit stores and terms

Takes PayPal

PayPal (Pay Later inside PayPal)

Upway 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 Upway

  1. Add what you want to your cart on upway.co.
  2. At checkout or on the store’s financing page, choose Klarna, Affirm, Shop Pay Installments, Cash App Afterpay or Splitit. Shop Pay Installments shows as Shop Pay: choose it, then pick installments.
  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 Upway financing

Does Upway offer financing?

Yes. We confirmed Klarna, Affirm, Shop Pay Installments, Cash App Afterpay and Splitit at Upway on Nov 11, 2026. Options can change, so check at checkout before you buy.

Will checking my rate at Upway 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 Upway store?

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

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