Boost sales with fair financing

Offer your customers a new level of shopping freedom with fair, flexible payment options for large-ticket items. Get paid upfront and in full while your customers pay over time.

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Financing redefined

Imagine a tech-savvy banking experience that’s impressively simple—that's Klarna! We blend cutting-edge fintech innovation and technical know-how with the assurance of a banking license to redefine retail finance and elevate the shopping experience.

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Empower shoppers to shop what they love today

We have a fantastic track record in helping businesses like yours grow, thanks to our combination of top-tier products and a customer-centric approach.

Optimize acceptance rate

Our dynamic underwriting and pre-qualification process gives shoppers a tailored spending limit and payment plans.

Reach customers globally

Offer your customers the same smooth customer experience worldwide and across channels, online and in-store.

Increase AOV

The option to spread the cost for larger purchases can empower customers not to compromise on the product they choose.

Reduce abandoned carts

When customers know retail financing is available, they can concentrate on shopping with no surprises at checkout.

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More sales is just good business

Optimize sales for your business by offering Financing online or in-store. Our speedy application process, instant decisions, and tailored loans means you can bid farewell to lost shoppers.

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Effortless integration with Klarna—directly or via our partners

Klarna is available on all major e-commerce and payment platforms. Add the power of the pink Klarna badge to your checkout with a quick and easy integration. Need a custom solution? We can do that for you too.

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How Financing works

Every product page displays the full cost and minimum monthly payments with financing. We keep it crystal clear with loan terms and interest, providing options that fit everyone's budget. Flexible and fair.

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At checkout

Our prequalification process gives shoppers a tailored spending limit and payment plans early in the shopping journey so they can shop with confidence.

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After shipment

Your customer selects Financing and completes a straightforward application, all online. They will receive an instant decision with an offer personalised to fit their needs.

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Post-purchase

Your shopper gets a clear overview of their purchases in the Klarna app. They can see plan progress, get reminders, manage autopay and even pay early.

The world’s top brands use Klarna Financing to increase sales

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Details about Financing

Let's get down to the nitty-gritty. All you need to know is right here.

Market availability*	AT, CA, DE, ES, FI, IT, NO, SE, UK, US,
Show/hide function	Included
Payment period starts	When order is shipped
Loan term	Up to 36 months
Max payment delay	3 business days after order is shipped
Consumer APR	From 0-35.99%*
Time between payments	1 month
Payments made	Manually paid online or in app
Buyer protection	Included
Seller protection	Included

*Credit broker authorisation required.

Explore more ways to pay

Check out other solutions and payment methods that may interest you. Discover how and where you can sell with Klarna.

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Pay in 3 or 4

Give shoppers the freedom to spread the cost over 3 or 4 payments, interest-free.

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Pay in 30 days

Let your customers buy what they want today and give them an extra 30 days to pay while you get paid upfront.

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Pay in full

Shoppers pay instantly and in full by card. Get buyer and seller protection whatever the spend—we take the risk, so you don't have to.

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Boost your business. Get started today.

Tap into the Klarna network and grow your business by offering flexible, fair payment options.

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