Pay now vs. pay later: choose what works for you
With Klarna, you choose how you pay. Depending on your budget and needs, you can split a purchase into 3 fee-free payments, pay the full amount right away, or wait up to 30 days. See how each option works and choose the one that suits you best.
What Pay now and Pay later mean with Klarna
Pay now
Pay in 30 days
Pay in 3
How to decide
Pay in 30 days and Pay in 3 are fee-free when you pay on time. Late or missed payments may incur fees, whichever option you choose. So make sure you meet every due date, just as you would with any other bill.
Choosing Pay in full means your order is paid for as soon as you check out, with no extra steps – there’s nothing to schedule or keep track of later.
Your details are already filled in, and your personal information stays safe and secure.
Buyer protection applies to eligible purchases.²
No credit check, no fees.
Pay in 30 days or Pay in 3 could be right for you if:
You want to receive your order right away and spread the cost to suit your budget.
You’d rather split your purchase into 3 fee-free payments.
You’re looking for a simple, flexible way to manage your spending.
You want to try before you buy. Order what you like and only pay for what you keep.
Small or everyday purchases
For bigger purchases
Still deciding what to keep?
The key takeaway
With Pay now, you pay the full amount all at once at checkout. Pay later lets you choose between paying within 30 days and splitting your purchase into 3 fee-free payments. Both options are designed to give you more flexibility. Choose Pay now if you want to pay in full right away, or Pay later if you’d prefer more time or smaller payments. Always pay on time to avoid fees.