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Pay in 4.

Split any purchase into 4 equal payments—without fees when you pay on time.

Get the free Klarna app on your phone:

More time to pay. Anytime you need.

Budget your way.

Spread out your shopping and take charge of your spending.

Better than credit.

Pay in 4 never affects your credit score, just offers more flexibility.

No fees.

Just make sure you pay on time.

How Pay in 4 works.

Choose Pay in 4 whenever you check out. Or get the Klarna app to split any online purchase into 4 smaller payments—with no fees when you pay on time.

Shop from the app

Shop from the app.

Pay in 4 at any store. Get exclusive deals. Earn rewards.

Check out

Check out.

Choose Pay in 4, and pay just 25% upfront.

Pay every 2 weeks

Pay every 2 weeks.

We’ll keep you on track with reminders in the app.

Get financial breathing room.

Pay in 4 and take charge of your budget. There are no fees when you pay on time.

Get the free Klarna app on your phone: