Flexible ways to pay
Buy now pay later with Klarna's flexible payment options. Choose to pay in 4 interest-free instalments¹, or pay the full amount.
¹ Please note a higher initial payment may be required for some consumers. Snooze fees and late fees may apply. Learn more at https://www.klarna.com/au/legal/. Klarna's Australian Credit Licence holder number 568866.
Pay later or right away
Pay in 4
Pay in full today
Use Klarna at brands you love
Built to work for you
Buyer protection and hassle-free returns. All built into Klarna.
Shop with built-in security
Every eligible Klarna transaction comes with buyer protection and advanced fraud prevention.
Hassle-free returns
Report a return and your payments pause instantly.
Pay later with the Klarna app
Don't see the Klarna badge at checkout? Use the Klarna app to shop and pay flexibly at your favourite stores.
Frequently asked questions
Questions on Klarna payment options? Find your answers below. For any further help or troubleshooting, please contact customer service.
Klarna is a flexible payment service that offers ways to shop now and pay later. Simply select Klarna at checkout when it’s available and we’ll quickly verify your details to complete the order. You can track and manage all payments in the Klarna app, with reminders to help you stay on schedule.
To be eligible to use Klarna you must:
Be a resident of Australia
Be at least 18
Have a valid card/bank account
Be able to receive verification codes via text
Flexible payments allow customers to select the method and timing of their payments for purchases. They include options like "Buy Now, Pay Later" (BNPL), enabling you to buy items immediately and pay in interest-free installments. Services such as Klarna facilitate these flexible payments, allowing the option to either make manageable smaller payments or to pay the full amount upfront, depending on your convenience and budget.
Pay in full and Pay in 4 options are interest-free. If you miss a payment, fees may apply. Check the terms of your payment plan to understand what costs you could incur for missing a payment.
In some cases, you may be able to reschedule your payment. This can be done through the Klarna app or by contacting Klarna customer support. Options may depend on your payment plan and account status.
You can use Klarna’s buy now, pay later options anywhere you shop. Choose Klarna at checkout when it’s available, or pay with Klarna using the app, Klarna Card, Apple Pay, or Google Pay. Availability and eligibility may vary depending on the purchase.
You can view your payment schedule anytime through the Klarna app or website. Your account shows upcoming payments, due dates, and amounts, so you can stay on top of your payments.
Yes, when you use our Pay in 4, or pay later credit products, we conduct a credit check to assess your eligibility for credit. This helps us ensure responsible lending and assist our customers to make good financial choices for their circumstances.
Good to know: If you make late payments or fail to pay, this could have a negative impact on your credit score and prevent you from using our payment methods in the future.
You can read more about the credit bureaus we use to perform credit checks in our privacy policy.
The highest security standards are used to protect your data and personal information.
All payment information is processed securely
No details are transferred to or held by the store
All transactions take place via secured connections following strict security protocols
You can remove your linked bank account or card at any time
If you want to know more about the way we handle your personal information, please read our Privacy Policy.
See our Cookie Policy for information about how we use cookies and your ability to choose how to use them.