Get even more time to pay
Break up the cost of your purchase into smaller monthly payments. See where you can pay with Financing.
Financing plans range from 6-12 months with interest rates ranging from 7.99%-34.90% APR.¹
Why do shoppers choose to pay over time with Klarna?
Break up a bigger purchase into smaller payments.
Choose your preferred timeline between 6-12 months.
Get an instant approval decision at checkout.
Pay off the full amount any time without penalty.¹
How Financing works
Choose Klarna at checkout
Choose Financing
Complete your purchase
Pay your way at your favorite brands
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Pay for what you love right away. Fast and secure, with stored cards and buyer protection.³
Frequently asked questions
Questions on how to use Financing? Find your answers below. For any further help or troubleshooting, please contact customer service.
Paying over time lets you shop and pay in monthly installments. You can spread the cost of your purchase for up to 12 months. Here's how:
- 1.
Select the Financing option in the checkout
- 2.
Choose your preferred timeline from the available options
- 3.
Follow the steps to complete the application
- 4.
Get an instant decision
- 5.
Complete your purchase
You’ll receive an email from us with your installment plan when the store ships your order.
Please note: A credit check will be performed when you apply for our Financing option.
Good to know:
Read our Financing Loan Agreement for detailed information about Financing.
Check specific details about Financing in Quebec in the Quebec Loan Agreement.
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
Your financing account is already set up with automatic payment withdrawals to help you stay on top of your payments. We’ll email you if your payment is unsuccessful. We’ll also try one more time to collect it. If we can’t collect it a second time, it will be added to your next payment along with 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.
That depends on your agreement.
Your first payment will be due one month after the merchant ships your order, and then monthly thereafter on the same date each month. (Some orders may require a downpayment)
You can always find your payment plan and upcoming payments in your Klarna app.
Read our terms and conditions for more detailed information about Pay over time.