Split the cost. Pay in 4, interest-free.
Pay in 4 lets you buy now and pay later by splitting your purchase into 4 interest-free payments, offering a simple and flexible way to manage your spending.
Fees may apply. Learn more at klarna.com/au/legal/.
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
1. Choose Klarna at checkout
Click on the pink badge and pay with Klarna at your favourite stores.
2. Make your first payment
Choose Pay in 4, and your first payment is collected when your order is shipped.
3. 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 the Klarna app
Don't see the Klarna logo at checkout? You can use the Klarna app to shop and pay flexibly at any store.
Pay your way at your favourite brands
Pay in full today
Pay for what you love right away. Fast and secure, with stored cards and buyer protection.¹
¹ Exclusions apply. Learn more at klarna.com/au/buyer-protection/.
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.
- 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.