Split the cost.
Pay in 4, interest-free.
Pay in 4¹ lets you buy now and pay later by splitting your purchase into 4 interest-free payments, offering a simple and flexible way to manage your spending.
Why do shoppers choose to pay in 4?
Pay in 4 lets you split your purchase into 4 interest-free payments.
Split the cost of your purchase.
No fees when you pay on time.
Payments are collected automatically every 2 weeks.
Get more control over your cash flow.
How Pay in 4 works
Choose Klarna at checkout
Make your first payment
No fees when you pay on time
Pay later anywhere with Klarna
Pay later anywhere with Klarna
Pay your way at your favorite brands
Discover more ways to pay
Pay in full today
Pay for what you love right away. Fast and secure, with stored cards and buyer protection.²
Financing
Need more time to pay? Simply spread the cost over smaller monthly payments. 6-12 month options are available.³
Frequently asked questions
Questions on how to use Pay in 4? Find your answers below. For any further help or troubleshooting, please contact customer service.
Pay in 4 allows you to split your purchase into 4 interest-free payments, paid every 2 weeks.
- 1.
Just choose Klarna at checkout at partner stores.
- 2.
The first payment will be taken from your credit card, debit card or bank account when your order is shipped.
- 3.
The remaining three payments will be automatically charged every 2 weeks afterwards, with no interest or fees when you pay on time.
To be eligible to use Klarna, you must:
Be a resident in Canada
Be at least 18
Have a valid card/bank account
Have a positive credit history
Be able to receive verification codes via text
You can use Klarna's Pay in 4 instalment options where available at stores that offer Klarna at checkout.
Your Klarna account is already set up with automatic payment withdrawals to help you stay on top of your payments. If you miss a payment we send you a friendly reminder before the due date. If the payment is unsuccessful we send a statement with a delay fee included.
If you miss a payment by the end of the grace period, your account will be considered in default. This means that, in addition to any other actions we might take, a late fee could be applied based on your total order value.
If you make late payments or fail to pay, this could have a negative impact on your credit score and prevent you from using our payment methods in the future.
You can read more about the credit bureaus we use to perform credit checks in our privacy policy.
Yes, Pay in 4 is interest-free when you pay on time. Your first payment is collected when your order is shipped and the next three are automatically charged every 2 weeks.