Pay in 30 days
Get it first. Pay 30 days later.
Shop now and pay up to 30 days later. No upfront payments, no interest, and no fees when paid on time.¹
Why do shoppers choose to pay in 30 days?
With Klarna's Pay in 30 days, you can enjoy your purchase right away while having up to 30 days to pay, giving you more flexibility to manage your spending
Shop first and pay up to 30 days later.
Only pay for what you decide to keep.
No fees when you pay on time.
How Pay in 30 days works
Choose Klarna at checkout
At checkout, select Klarna's Pay in 30 option. Klarna will cover the purchase so you can get your items without any upfront cost.
Get 30 days to decide
Once the order ships, you have 30 days to decide if you're satisfied with your items. We’ll keep you on track with reminders.
Manage everything in one place
Complete your payment within 30 days, online or in the app, to avoid any late fees, paying only for the items you choose to keep.
Pay your way at your favorite brands
Look for Klarna at checkout, offered at thousands of brands.
Discover more ways to pay
Pay in 3
Split your purchase and spread the cost in 3 interest-free installments, paid every 30 days.
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 30 days? Find your answers below. For any further help or troubleshooting, please contact customer service.
Klarna’s Pay in 30 days allows you to buy now and pay later with no down payment. You can receive your order up front and get up to 30 days to pay without any interest or fees if you pay on time. In the Klarna app, you’ll have the option to pay off the balance earlier or extend the due date to a later date, if needed.
If your order is eligible for Pay in 30 days, the option will be presented at the time of checkout. As soon as the store ships your order, you will receive an email from Klarna outlining your payment. Your purchase and payment will then be visible and manageable in the Klarna app.
Good to know: There is no fee to use Pay in 30 days, if you pay on time.
Yes, but only a soft credit check. Klarna may perform a soft credit check when you use Pay in 30 days to assess your eligibility.
We will perform a soft credit check when you use Pay in 30 days. Soft credit checks do not affect your credit score and will not be visible to other lenders. Borrowing more than you can afford or paying late may negatively impact your financial status and ability to obtain credit, including with Klarna. Read more here.
Klarna currently accepts debit and credit cards as a form of payment when checking out with Pay in 30 days.
To be eligible to use Klarna you must:
Be a resident of Switzerland
Be at least 18
Have a valid bank card/bank account
Have a positive credit history
Be able to receive verification codes via text
Never miss a payment with the Klarna app
Manage your payments and get due date reminders on the go.
Download the app: