How does Pay in 3 work?

Pay in 3 allows you to split your purchase into 3 interest-free instalments, paid every 30 days. Just choose Klarna at checkout at partner stores. The first instalment will be taken from your credit card or debit card when your order is shipped. 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 Ireland Be at least 18 Have a valid card/bank account Be able to receive verification codes via text

Hand holding a device showing Klarna’s payment options with Pay in 3 selected.

Pay in 3
No interest.

Shop with Klarna Pay in 3. Split your order into 3 interest-free instalments¹ for a simple, flexible way to manage your spending.

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¹ Please shop responsibly. 18+ ROI residents only. Credit subject to status. APR 0%. If you do not meet the repayments on your BNPL agreement, your account will go into arrears. This may affect your credit report, which may limit your ability to access a BNPL agreement in the future. Please shop responsibly. 18+ ROI residents only. Credit subject to status. APR 0%. Terms and conditions and late fees apply.

Device displaying Klarna’s Pay in 3 purchase summary screen.

Why Pay in 3?

Split the cost: Split your purchase into 3 interest-free instalments.
No extra fees: You won't be charged any fees when you pay on time.
Automatic payments: Pay automatically every 30 days.

How Pay in 3 works

Choose Klarna at checkout

Click on the pink badge and pay with Klarna at your favourite stores.

Pay your first instalment upfront

Choose Pay in 3, and your first payment is collected when your order is shipped.

Stay on track with payments

The next two instalments are automatically charged every 30 days. We’ll keep you on track with reminders and updates in the Klarna app.

Use Klarna at brands you love

Look for Klarna at checkout, offered at hundreds of brands.

JD Sports

2% cashback in the app

Discover more ways to pay

Pay in full today

Pay for what you love right away. Fast and secure, with stored cards and buyer protection.²

Learn more

Klarna cards

Debit or credit³. Your call. Whether you pay now or later, our cards give you clear costs and flexibility. Pay anywhere Visa is accepted, online or in-store.⁴

Learn about Klarna Card

Klarna app

Shop now and pay later at any store, plus earn up to 12% cashback⁵ at select stores.

Download the app

³ Account covered by the Swedish deposit guarantee scheme. Max. compensation per customer: SEK 1,150,000. National Debt Office makes compensation available within 7 business days from the date a right to compensation accrues. Read more here.
⁴ The provision of this service does not require licensing, registration or authorisation by the Central Bank of Ireland, and as a result is not covered by Central Bank of Ireland rules designed to protect consumers or by a statutory compensation scheme. Klarna Membership offered for a monthly fee. Cancel any time in the Klarna app. Exclusions, conditions, and limitations apply to membership benefits. Klarna Membership Terms apply.
⁵ Klarna Cashback Rewards are awarded as points which can be redeemed for a credit to your Klarna bank account and other benefits. Earn cashback on Klarna App purchases. Klarna bank account required to receive cashback. Cashback issuance depends on store approval and may be affected by cookie settings, combining offers, product exclusions, or other factors beyond our control. Limitations, terms, and conditions apply.

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 or debit card 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 be eligible to use Klarna you must:

Be a resident of Ireland
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 option at partner stores in Ireland.

Your Klarna account is already set up with automatic payment withdrawals to help you stay on top of your payments. 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.

Klarna evaluates your ability to pay by assessing available data to ensure responsible lending.

Good to know: If you make late payments or fail to pay, this could have a negative impact on your creditworthiness and prevent you from using our payment methods.

Read our privacy policy for further details.

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 three are automatically charged every 30 days.

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Pay in 3
No interest.

Why Pay in 3?