Plan big. Pay with Financing.
Split your purchase into smaller monthly installments with Klarna Financing. See where you can shop and spread the cost over 6-12 months.¹
¹ APR ranges from 7.99%-34.90% based on term length, province, creditworthiness, and subject to credit approval, resulting in, for example, 6 equal monthly payments of $170.44 at 7.99% APR to $181.71 at 34.90% APR per $1000 borrowed. Minimum purchase required. A down payment may be required. Estimation of monthly payment excludes potential tax and shipping costs. Actual terms may vary depending on province, see sample terms here for Quebec and here for the rest of Canada.
Why do shoppers choose Klarna Financing?
Flexible terms: Split the cost over 6-12 months with a fixed monthly payment¹
Full transparency: See your full repayment schedule upfront, with no extra fees when you pay on time
Instant decisions: Get a decision on your payment plan in seconds
Pay it off early: Pay the full amount anytime, at no extra cost.
How Financing works
Choose Klarna at checkout
Choose Financing
Complete your purchase
Discover more ways to pay
Pay in full today
Don't see Klarna Financing at checkout?
Don't see Klarna Financing at checkout?
Frequently asked questions
Questions on how to use Financing? Find your answers here. 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 24 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 of Canada
Be at least 18
Have a valid bank card/bank account
Have a positive credit history
Be able to receive verification codes via text
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.