What is klarna

  • Customer login

    Continue in browser

    Log in to get an overview of your purchases, upcoming payments and settle them easily with one click.

  • Business login

    Log in to manage your orders, payout reports, store statistics, and general settings.

Why was the first installment of my payment plan higher?

If Pay in 4 equal payments is not available, you may be offered an alternative Pay in 4 payment option with a higher first installment, instead of 4 equal payments.

This can happen because the order amount exceeded your spending limit, however, other credit factors are also assessed.

Good to know:

  • Our Customer Service is not able to increase your spending limit nor has further information about the automated assessment.

  • When selecting Pay in 4 as your payment plan on One-time cards there is a service fee charged together with the first payment.

What’s next?

  • If you would prefer a payment plan of 4 equal payments, always ensure the total order amount is within your spending limit.

  • If the order amount exceeds your spending limit and you are offered an adjusted payment plan with a higher first installment amount – accept the offer in the checkout.

Related article

Still need help? Contact us

We’re available 24/7 via chat.

Copyright © 2005-2024 Klarna Bank AB (publ). Headquarters: Stockholm, Sweden. All rights reserved. Klarna Bank AB (publ). Sveavägen 46, 111 34 Stockholm. Organization number: 556737-0431