Pay in 4
Split the cost.
Pay in 4, interest-free.
Get what you love. See where you can pay in 4.
Why do shoppers choose to pay in 4?
Pay in 4 lets you split your purchase into 4 interest-free payments.
Split the cost of your purchase.
Payments are collected automatically every 2 weeks.
Get more control over your cash flow.
How Pay in 4 works
Choose Klarna at checkout
Click on the pink badge and pay with Klarna at your favorite stores.
Make your first payment
Choose Pay in 4, and your first payment is collected when your order is shipped.
Stay on track with payments
The next three payments are automatically charged every 14 days. We’ll keep you on track with reminders and updates.
Pay later anywhere with Klarna
Don't see the Klarna badge at checkout? You can still pay with Klarna anywhere in the following ways.
Klarna app
Use the Klarna app to shop and pay flexibly at any store.
Browser extension
Get the Klarna browser extension to start paying the flexible way anywhere you shop online, unlock extra features and instantly apply coupons to get the best deal.
Pay your way at your favorite brands
Look for Klarna at checkout, offered at thousands of brands.
Discover more ways to pay
Pay in full today
Pay for what you love right away. Fast and secure, with stored cards and buyer protection.¹
Frequently asked questions
Questions on how to use Pay in 4? Find your answers below. For any further help or troubleshooting, please contact customer service.
Pay in 4 allows you to split your purchase into 4 payments, paid every 2 weeks.
Just choose Klarna at checkout at partner stores.
The first payment will be taken from your credit card or debit card when your order is shipped.
The remaining three payments will be automatically charged every 2 weeks afterwards.
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
You can use Klarna's Pay in 3 instalment options where available at stores that offer
.Your Klarna account is already set up with automatic payment withdrawals to help you stay on top of your payments. If you miss a payment we send you a friendly reminder before the due date. If the payment is unsuccessful we send a statement with a delay fee included.
If you miss a payment by the end of the grace period, your account will be considered in default. This means that, in addition to any other actions we might take, a late fee could be applied based on your total order value.
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.
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
.Yes, Pay in 4 is interest-free when you pay on time. Your first payment is collected when your order is shipped and the next three are automatically charged every 2 weeks.
Never miss a payment with the Klarna app
Manage your payments and get due date reminders on the go.
Download the app: