Pay in 3
No interest.
Choose Klarna Pay in 3. Split your order into 3 interest-free payments{{PaymentMethodsPayLaterPi3Pi4}} for a simple, flexible way to manage your spending.
Why Pay in 3?
Split the cost: Spread the cost of your purchase across 3 interest-free payments.
No extra fees: Pay on time and you won’t be charged any fees.
Automatic payments: We’ll collect payments automatically every 30 days.
How Pay in 3 works
Choose Klarna at checkout
Make your first payment
No fees when you pay on time
Shop your favorite brands with Klarna
Discover more ways to pay
Pay in full today
Pay in 30 days
Don’t see Pay in 3 at checkout?
You can still pay flexibly anywhere in the following ways.
Frequently asked questions
Questions on how to use Pay in 3? Find your answers here. 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 you must:
Be a resident of Switzerland
Be at least 18
Have a valid card/bank account
Be able to receive verification codes via text
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.