Split the cost.
Pay in 4, interest-free.
Pay in 4 lets you buy now and pay later by splitting your purchase into 4 interest-free payments¹, offering a simple and flexible way to manage your spending.
Split the cost of your purchase
Why do shoppers choose to pay in 4?
No fees when you pay on time.
Payments are collected automatically every 2 weeks.
Get more control over your cash flow.
How Pay in 4 works
Choose Klarna at checkout
Make your first payment
No fees when you pay on time
Don't see the Klarna badge at checkout?
There are still ways to pay with Klarna anywhere.
Klarna app
Use the Klarna app to shop and pay flexibly at any store.
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.
Frequently asked questions
Questions on how to use Pay in 4? Find your answers below. For any further help or troubleshooting, please contact customer service.
Pay in 4 allows you to split your purchase into 4 interest-free payments, paid every 2 weeks. Just choose Klarna at checkout at partner stores. The first payment will be taken from your credit card, debit card or bank account when your order is shipped. The remaining three payments will be automatically charged every 2 weeks afterwards, with no interest or fees when 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.
If we are unable to collect the payment on the scheduled date, we will try again. If that payment attempt also fails, the missed payment will be added to the amount of the next scheduled payment.
Please note, missed payments may incur fees and unpaid debts may be sent to debt collection.
Need a few extra days to pay?
You can extend your next payment date once per order:
- 1.
Go to Purchases
- 2.
Select the order you would like to pay later
- 3.
Tap Payment options and then tap Extend due date
If you are struggling to make a payment or experiencing unexpected financial hardship, contact us - we are here to help.