Pay in 4

Split any purchase into 4 smaller payments. There are no fees when you pay on time.

Get the app

Get the free Klarna app on your phone:

More time to pay, anytime you need

Budget your way

Spread out your shopping and take charge of your spending.

Better than credit

Pay in 4 never affects your credit score, just offers more flexibility.

No fees

Just make sure you pay on time.

How Pay in 4 works

Choose Pay in 4 whenever you check out. Or get the Klarna app to split any online purchase into 4 smaller payments—with no fees when you pay on time.

Shop from the app

Pay in 4 at any store. Get exclusive deals. Earn rewards.

Check out

Choose Pay in 4 smaller payments. A higher initial payment may be required for some purchases

Pay every 2 weeks

We’ll keep you on track with reminders in the app.

Get financial breathing room

Pay in 4 and take charge of your budget. There are no fees when you pay on time.

Get the app

Get the free Klarna app on your phone:

When you pay in 4, we split your purchase into 4 smaller payments. We collect the first payment when your order ships. The remaining 3 payments are collected every 2 weeks. Spread the cost over 6 weeks, without fees when payments are made on time.

We’ll email you if your payment is unsuccessful. We’ll also try one more time to collect it. If we can’t collect it the second time, then it will be added to your next payment.

Choose your language and region

Klarna is available around the world with a variable offering, choose one that suits you best.

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