Split the cost. Pay in 3, interest-free.
Pay in 3¹ lets you buy now and pay later by splitting your purchase into 3 interest-free payments, offering a simple and flexible way to manage your spending.
¹ 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 app.
Why do shoppers choose to pay in 3?
With Klarna Pay in 3 you can create a pay plan that lets you pay monthly by splitting your purchase into 3 interest-free instalments.
Split the cost of your purchase.
No fees when you pay on time.
Payments are collected automatically every 30 days.
Get more control over your cash flow.
How Pay in 3 works
Choose Klarna at checkout
Pay your first instalment upfront
Stay on track with payments
Pay later anywhere with Klarna
Don't see the Klarna badge at checkout? You can still pay with Klarna anywhere in the following ways.
Klarna app
Use the Klarna app to shop and pay flexibly at any store, plus earn cashback from your favorite merchants.²
Browser extension
Get the Klarna browser extension to start paying the flexible way anywhere you shop online, unlock extra features and instantly apply coupons to get the best deal.
² Earn cashback on Klarna App purchases. Klarna balance 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.
Pay your way at your favourite brands
Look for Klarna at checkout, offered at hundreds of brands.
Frequently asked questions
Questions on how to use Pay in 3? Find your answers below. 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:
Be a resident of the United States or its territories
Be at least eighteen years old or of legal age in your state of residence.
Have a valid card/bank account.
Have full legal capacity to enter into a contract.
Accurately provide your true and correct personal details.
Be able to receive security verification codes via text message.
Good to know:
A valid Social Security Number (SSN) and a linked card or bank account may be required to use certain Klarna products, such as Pay in 4 and other credit-based payment options, as well as our banking products. Read our terms and conditions for more information.
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.