Pay in 3.
No interest.
Shop now and split your order into 3 interest-free instalments¹ for a simple, flexible way to manage your spending.
Why Pay in 3?
Split the cost: Split your purchase into 3 interest-free instalments.
No extra fees: No fees will be charged when you pay on time.
Automatic payments: Payments are collected automatically every 30 days.
How Pay in 3 works
Choose Klarna at checkout
Pay your first instalment upfront
No fees when you pay on time
Pay your way at your favourite brands
Discover more ways to pay
Pay in full today
Pay in up to 30 days
Financing
Don't see Klarna Pay in 3 at checkout?
Don't see Klarna Pay in 3 at checkout?
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 bank account when your order is shipped.
- 3.
The remaining 2 instalments will be automatically charged every 30 days afterwards, with no interest or fees if you pay on time.
To use Klarna, you need to meet the following criteria:
You live in Germany.
You’re at least 18 years old.
You have a valid bank card or bank account.
You have a proven good credit history.
Use Klarna at partner stores and at all online shops in Germany.
If a payment doesn't go through, we'll get in touch and try to collect it again. If the second attempt doesn't go through, the amount will be collected with your next payment, along with a late fee of 1,85 €. For more information, see the General terms and conditions.
No. We will perform a soft credit check when you use Pay in 3. Soft credit checks do not affect your credit score. Read more here.
Yes, Pay in 3 is interest-free 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.