Klarna - Payment Plan
Shop now, pay later with Klarna!
It’s smooth and simple
How to checkout with Klarna
You shop, you choose how to pay.
We accept: Amex, Apple Pay, Discover, Mastercard, Google Pay, JCB, Klarna, Shopify Pay & Visa.
4 interest-free installments
Split your purchase into 4 equal payments so you can spread the cost of your purchase over time.
Enter the credit or debit card of your choice for automatic payments every two weeks. No interest
or added fees when you pay on time!
Pay later in 30 days
With Pay later in 30 days, you’ll get a free payment delay that allows you to try before you buy. Pay
for your purchase up to 30 days after it’s been shipped. No upfront payment, no interest, and no
fees when you pay on time.
Apply for easy monthly financing directly in the checkout. A simple, 2-step application will provide an instant approval decision. Once you’ve been approved, you’ll receive reminders and can manage your payments directly in the Klarna App.
Review your latest purchases and pay any open balances by logging into your Klarna account at
Safe and secure
Klarna uses the latest safeguards and security to protect your information and prevent unauthorized
purchases. You have zero fraud liability with Klarna’s Buyer Protection policy.
Frequently Asked Questions
Don’t see your question here? Check out Klarna’s full FAQ page.
What is Klarna?
Klarna is a global payment solutions provider that works with retailers to provide customers the
smoothest online shopping experience. Klarna is in over 170,000 online stores and has more than
70 million users globally. Learn more.
How do I pay in 4 interest-free installments?
Select 4 interest-free installments to split your purchase into four equal payments, charged every
two weeks beginning at the time your order is confirmed (usually the shipping date). No bills are
sent - you can simply sit back, relax, and enjoy your purchase. View complete terms.
How do automatic payments work?
Payments are collected bi-weekly from the debit or credit card you provide at the time of purchase.
All scheduled payments are communicated to you by email and you can review your purchases by
logging in at https://app.klarna.com/login
What is Klarna monthly financing?
Monthly financing is available when you choose to open an account with Klarna at the time of checkout. This affordable and highly flexible credit line is issued by WebBank in partnership with Klarna, and it allows you to pay for your purchases over time and can be used anywhere in the Klarna merchant network. View complete terms.
How does financing with Klarna work?
It’s simple! Shop at any online store that offers Klarna monthly financing, and choose a flexible payment plan to pay for your purchases over time. You will know if you are approved in seconds, before completing your purchase. If approved, you will receive an email confirmation from Klarna, and can manage your account through the Klarna App.
Will this affect my credit score?
When you Pay later in 30 days or 4 interest-free installments, Klarna may perform a soft credit check. This type of check will not impact your credit score or show up as a hard inquiry on your credit report.
Monthly financing applications will take credit score and credit history into consideration when determining if the application is approved.
How can I reach Klarna?
You can reach Klarna anytime at https://www.klarna.com/us/customer-service or by downloading the Klarna App for 24/7 chat.
Klarna is one of Europe's fastest growing companies and a leading alternative payment provider. Klarna’s vision is to make all payments ‘smoooth’, adding value for shoppers and retailers with unique payment options and superior customer experience. Klarna has 2,500 employees across 14 markets, and is leading the way for alternative payments by serving 70 million consumers and 170,000 merchants smoooth payment solutions.