Pay in 4.
No interest.
Pay later with Klarna Pay in 4. Split your order into 4 interest-free payments¹ for a simple, flexible way to manage your spending.
Fees may apply. Learn more at klarna.com/au/legal/.
Why choose Pay in 4?
Split the cost: Split your purchase into 4 interest-free payments.
No extra fees: We won't charge any fees when you pay on time.
Automatic payments: We collect payments automatically every 2 weeks.
How Pay in 4 works
Choose Klarna at checkout
Make your first payment
Stay on track with payments
Use Klarna at brands you love
Discover more ways to pay
Pay in full today
Pay later with the Klarna app
Frequently asked questions
Questions on how to use Pay in 4? Find your answers here. 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.
- 1.
Just choose Klarna at checkout at partner stores.
- 2.
The first payment will be taken from your credit card or debit card when your order is shipped.
- 3.
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
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 privacy policy.
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.