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Get more time to pay.

Pay in 4 with zero interest. Online and in-store, all in the Klarna app.

Get the free Klarna app on your phone:

So, how does Klarna work?

There are two ways to use Klarna. You can take Klarna’s pay in 4 option to any store by downloading and shopping directly through our app, in-store and online. Or, simply go to the retailers we're currently partnered with and pay with Klarna at checkout.

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Pay in 4 everywhere with Klarna.

Download the Klarna app and get the freedom to pay in 4 with zero interest everywhere, in-store and online.

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Pay with Klarna at your favourite retailers.

Discover hundreds of retailers with Klarna available at checkout. Head to our store directory to get started.

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Unlock rewards.

Join our rewards club and earn points on your shopping. Points unlock exciting deals and rewards. Unlock your first reward today.

Pay later shopping.

Millions of people have already discovered the benefits of online shopping with payment plans. Pay over time, no matter what you need, we’ve got flexible payment options to fit your budget.

Interest-free payments.

Split the cost of your purchase into 4 payments, over 6 weeks. No interest. No catch. Just more time to pay for the things you love.

Find us at these checkouts.

Klarna app

Pay later at any store.

Elevate your shopping game anywhere online.

  • Shop your favourite brands and get rewards for shopping with our rewards club.
  • Access the latest deals and track price drops.
  • Manage all your payments, report returns and get help if you need it.

Does Klarna impact my credit score?

Why Klarna?

No interest. No catch.

Buy now, pay later is an alternative to credit and gives you the flexibility to shop what you want, when you want, without breaking the bank. When you split the cost of your purchase into 4 smaller payments with Klarna, you'll never pay any interest. Ever.

Smooother than the rest.

Report returns directly in our app and only pay for the items that you keep. Get a full overview of your payments online or in our app.

Keep up with Klarna.

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