Shop now, pay later.

Anywhere online, only with the Klarna app.

Shop now, pay later.

Klarna is the smooothest & safest way to get what you want today, and pay in 4 instalments. No drama. Just Klarna.

So, how does Klarna work?

We partner with all your favourite retailers to make it easy to pay how you like right from checkout. Or, you can use our app and enjoy flexible payment options anywhere online.

Pay later with our shopping app.

Pay later with our shopping app.

Download our free app and get shopping tips tailored to you, exclusive deals and the freedom to shop anywhere and pay later.

Your new source of inspiration

Your new source of inspiration.

Discover hundreds of buy now pay later retailers already using Klarna. From your next pair of shoes to your new phone, check out our store directory to get started.

Vibe loyalty program

Unlock rewards from world-class brands.

Join our free rewards club and get rewarded for shopping, no matter the store. Sign up in the app and unlock $10 at eBay 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, paid every 2 weeks. No interest. No catch. Just more time to pay for the things you love.

Legal terms

Smoooth online shopping.

With Klarna, every store is a buy now pay later store. Turn any purchase into smaller payments.

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.

Have a business and want to sell with Klarna?