Simple as pie, people forget that they can use it. However, in the race for gifts, this tip is devilishly useful as a backup solution…
For several years, the concerns of the French have revolved around ways to manage their budget smartly. Indeed, with inflation only exploding since 2022 (5.2% in 2022, 4.9% in 2023, 2% in 2024*), the prices of everyday goods have soared and households are finding it increasingly difficult to afford a standard of living similar to that of the past. The first items of expenditure to toast? Leisure, in favor of refocusing on food shopping and other essential purchases. However, fashionistas never give up on their look, even when times are tough. They continue to buy trendy and/or luxury pieces, thanks to a single tip.
Already well known in sectors such as mass distribution or tech, we forget that we can use it when shopping for fashion. And yet! It is also possible to pay for our clothes in several installments. To do this, a stupid and nasty solution: go through platforms like Alma, Klarna or even Scalapay.
They give access to trendy and high-end fashion brands like Polène Paris Or Saint Laurent ; but also to multi-brand sites such as LuisaViaRoma. If split payments have existed since the dawn of time, these platforms have many advantages compared to the credit organizations of yesteryear.
First of all, they do not involve any fees, when traditional credits charge interest. It doesn’t matter whether you choose to pay for this item of clothing in 3, 4 or 12 installments, there will be no extra euro. The final price is never higher than the initial price (obviously provided that deadlines are met). And for the forgetful, know that Klarna notifies you by email a few days before a deadline.
But these platforms also facilitate the credit process. No more need to provide endless documents to prove your solvency: a click on the website of the brand concerned allows you to benefit from a split payment. When validating the basket and choosing the payment method, the button “Pay with Klarna” appears.
If you don’t have the means at the moment – due to Christmas shopping – you can also choose to pay a month later. On Zalandoit is possible to order parts and pay for them 30 days later via Klarna.
Finally, for those who prefer physical shopping sessions, the payment platform Scalapay allows you to pay in several installments directly in store.
You simply download the application, create your account, and generate a barcode to scan at the checkout. Obviously, the interest of these means of financing is to help out from time to time; not to create a vicious circle where debt never ends.
