Does Ralph Lauren Take Afterpay? – Know More

There are no two opinions on the matter that when you go shopping, being under budget and saving your hard-earned money present themselves as dire needs! However, there are times when a certain item is bound to catch your eye, and all you see is yourself possessing it. But, what about the budget?. Let us know ‘Does Ralph Lauren Take Afterpay?’.

This is where Buy Now Pay Later platforms pop up in the picture! Such platforms ensure that you get that alluring product or attire without going home with an empty wallet. With platforms like Afterpay, you can buy the item and pay the whole amount in installments. So now, let us move ahead and address the most pressing concern: does Ralph Lauren take Afterpay?

Does Ralph Lauren Take Afterpay?

If you are a regular customer at Ralph Lauren and were looking ahead to increase some savings by using Afterpay there, you are in for some disappointment. Unfortunately, Ralph Lauren does not accept payments via Afterpay. However, this does not mean that it is not worth shopping here. To lessen some of your disappointment, it is imperative for you to know that Ralph Lauren does accept payments via Klarna! Klarna is another Buy Now Pay Later platform where you can make your payment later. Read further to find out the differences between the two platforms and which one is better!

Ralph Lauren: If Not Afterpay, Then What?

Now that you know that Ralph Lauren does not take payments via Afterpay, you must be wondering whether the store accepts other forms of payment as well. Let us have a brief look at them!

1. Klarna: If you only want to go for Buy Now Pay Later platforms, then you must know that Ralph Lauren accepts payments via Klarna. With this, you have three options: you can either pay the whole amount on the spot, you can pay after 30 days of purchasing a product, or you can pay in three equal installments over a span of 3-4 weeks. Since Ralph Lauren does not accept Afterpay, Klarna forms a good alternative! However, you must bear in mind that your credit at Klarna will be assessed by Ralph Lauren to check whether you have paid your previous installments in time. Once your account is checked, only then will you be allowed to pay via Klarna. So, make sure to pay your installments on time!
2. PayPal: Besides Klarna, there are some other payment options that you can make use of at Ralph Lauren. One of these is PayPal! Although PayPal does not encourage savings as such, you can still use this online platform to make your payments if you carrying cash with you is always too much of a hassle. All you have to do is connect your PayPal account with your bank account or credit/debit card, and you’re good to go!
3. American Express, Visa, and MasterCard: In addition to the above two payment methods, you can also make payments at Ralph Lauren via American Express, Visa, and MasterCard! For this, you must know the credit card or CVV number. As regards American Express, you can find this four-digit number on the right side of the card, and when it comes to Visa and MasterCard, you can check the three-digit number on the back of your card. 
4. Cash: Although this goes without saying, you can always make your payments via cash at Ralph Lauren! In the age where online payments are quite prevalent, we do sometimes tend to forget that we can also make payments the old-fashioned way- through cash!

Klarna or Afterpay: Which is Better?

Now that you know all about the payment options at Ralph Lauren, let us have a quick view of which platform is better- Klarna or Afterpay.

1. Account Fee: You must be quite relieved to know that none of the platforms, Klarna and Afterpay, charge an account fee. This means that all you have to do is download your preferred app, create your account, link it to your bank account or credit/debit card, and you’re good to go!
2. Payment in Installments: Since both platforms come under the umbrella of the Buy Now Pay Later payment method, it is obvious that you have to pay the amount in installments. When it comes to Klarna, you can make planned, monthly payments, and in the case of Afterpay, you will have to make your installments every two weeks.
3. Action Taken on Late Payments: One of the drawbacks that Buy Now Pay Later platforms have to go through is that people do not tend to make payments on time. And thus, such platforms have to consider the need to charge an extra fee to enforce punctuality. If you’re using Klarna, you will be charged a fee amounting to anywhere between $7 to $35 for late payments. As regards Afterpay, after a delay of 10 days, you will be charged 25% of your total amount.

Conclusion

Now that you are aware that Ralph Lauren does not accept Afterpay, it doesn’t mean that you cease going to your favorite store! When most stores do not accept payments via Afterpay, they do offer other options and alternatives. For instance, Ralph Lauren takes payments via Klarna, another BNPL platform, Visa, MasterCard, and PayPal! In addition to this, you must have gone through the differences between Afterpay and Klarna, and decided which one suits you best! While Klarna’s financing account affects your credit score, Afterpay charges 25% of the total amount for late payments.

Frequently Asked Questions:

1. What are some alternatives to Ralph Lauren that accept Afterpay?

Old Navy, Forever 21, Fashion Nova, and Madewell, among many others.

2. Do I have to pay an account fee for using Afterpay?

No.