Split the cost.
Pay in 3, interest-free.
Pay in 3 lets you buy now and pay later by splitting your purchase into 3 interest-free payments, offering a simple and flexible way to manage your spending.
Why do shoppers choose to pay in 3?
With Klarna Pay in 3 you can create a pay plan that lets you pay monthly by splitting your purchase into 3 interest-free instalments.
Split the cost of your purchase.
No fees when you pay on time.
Payments are collected automatically every 30 days.
Get more control over your cash flow.
How Pay in 3 works
Choose Klarna at checkout
Make your first payment
No fees when you pay on time
Pay later anywhere with Klarna
Don't see the Klarna badge at checkout? You can still pay with Klarna anywhere in the following ways.
Klarna app
Use the Klarna app to shop and pay flexibly at any store.
Browser extension
Get the Klarna browser extension to start paying the flexible way anywhere you shop online, unlock extra features and instantly apply coupons to get the best deal.
Discover more ways to pay
Pay in 30 days
Shop now and get the flexibility to pay up to 30 days later, with no late fees or interest when you pay on time. Pay only for what you keep.
Pay in full today
Pay for what you love right away. Fast and secure, with stored cards and buyer protection.¹
Frequently asked questions
Questions on how to use Pay in 3? Find your answers below. For any further help or troubleshooting, please contact customer service.
Pay in 3 allows you to split your purchase into 3 interest-free instalments, paid every 30 days.
- 1.
Just choose Klarna at checkout at partner stores.
- 2.
The first instalment will be taken from your credit card, debit card or Apple Pay.
- 3.
The remaining 2 instalments will be automatically charged every 30 days afterwards, with no interest or fees if you pay on time.
To be eligible to use Klarna:
Be a resident of the United States or its territories
Be at least eighteen years old or of legal age in your state of residence.
Have a valid card/bank account.
Have full legal capacity to enter into a contract.
Accurately provide your true and correct personal details.
Be able to receive security verification codes via text message.
Good to know:
A valid Social Security Number (SSN) and a linked card or bank account may be required to use certain Klarna products, such as Pay in 4 and other credit-based payment options, as well as our banking products. Read our terms and conditions for more information.
You can use Klarna's Pay in 3 instalment options where available at stores that offer Klarna at checkout.
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.
No. We will perform a soft credit check when you use Pay in 3. Soft credit checks do not affect your credit score and will not be visible to other lenders. Read more here.
There are no fees when you pay on time. Your first payment is collected when your order is shipped and the next two are automatically charged every 30 days.