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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.

Pay later in 4 instalments
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.

*Fees may apply. Learn more here.

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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?

When you choose to pay in 4 interest-free instalments with Klarna, we will perform a credit check for the first attempt to fulfil the purchase. If you are successful in completing the purchase we will not attempt another credit check for 12 months. When you attempt another purchase after the 12 months or if you change your address in our app or website, we will perform another credit check. This credit check will be visible on your credit report but does not directly affect your credit score. It may still affect your ability to be eligible for credit at other parties, as they can see the credit inquiry on your report and may use it as a basis for their final decision. As a responsible lender, we do not wish to grant credit to customers who may have difficulties in fulfilling payment. It is for this reason that we perform a credit check. We want to gather information about our customers in order to ensure that they can afford the debt before we even consider providing them with credit

Yes. As a responsible lender, we want to make sure we’re helping our customers make the right financial decisions for their circumstances. Klarna performs a credit check when you first create a one-time card in the shopping app or the first time you pay a seller with Klarna through their site. We may perform other credit checks for future purchases you make to keep our commitment to lending responsibly. The check is completed by a third party, Illion. This check will be visible on your credit report but will not impact your credit score. Learn more. A positive repayment record with Klarna will help ensure your ongoing ability to check out with Klarna in the future. These checks are performed in accordance with Klarna’s Terms & Conditions, which you agree to when you create an account with Klarna.

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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.

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