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Financing

Consumer Financing

klarna

We have partnered with Klarna to provide you with financing on your purchases - offers start at 0% APR if paid in full within 6 or 12 months!*

*Interest will be charged to your account from the transaction posting date at 19.99% APR if the purchase balance is not paid in full by the end of the applicable 6 or 12 months promo period. Minimum monthly payment required. Additional payments may be required to pay off purchase before promotion expires.

Promotional offers are for qualifying customers. Non-promotional purchases have a standard APR of 19.99% and are subject to a potential $2 monthly minimum interest charge. See terms.

It’s simple and easy - no credit cards or bank accounts required

1. Add your item to the cart.

2. Select "KLARNA" as your payment option at checkout. You'll see which plan your order qualifies for.

3. You will be required to share 2 pieces of information.

4. Approval is instant and you will be invited to confirm the purchase.

5. Cafe Last ships you the item immediately.

6. Klarna will send you an email 1 month after shipping to advise you on how to start paying monthly installments.

After that, complete all future purchases using financing with just a one-click checkout!

Business Financing

credit key business finance

We have partner with Credit Key for financing your business purchases!

Credit Key is not a lease or financed loan, but a line of credit that allows you the flexibility to purchase equipment and supplies as needed.

You can qualify for up to a $50,000 line of credit, to use and pay as needed over a 12-month term. You will have the ability to get pre-approved for a certain amount before you order.

To be eligible for Credit Key credit, you will need to:

  • Be an individual applying under your own name. If your business is a Sole Proprietorship you do not need to have a Federal EIN but will have to document some type of state registration of the business.
  • Owner/Signatory of business in application
  • Be a U.S. citizen or resident, of minimum signing age in your state of residence
  • Have a FICO®/credit score of 600 or above
  • Have a total annual business income of $40,000 or more
  • Provide your Social Security Number
  • Have a nominated bank account or debit card for repayments.

Credit Key’s application process is simple and does not affect your personal credit. Credit Key does not charge any setup fees. If you choose to go beyond
30 days, you can be approved as low as 1% per month. Applying for Credit Key is a “soft inquiry.” This does not impact your FICO®/credit score.

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