Pay now or later
There’s more than one way to pay when you shop with Klarna. Choose to pay in full, pay within 30 or 60 days¹, or spread the cost over several months.
There’s no right or wrong choice. It all depends on your budget and how you want to manage your money. Here’s how each option works.
What do “pay now” and “pay later” mean with Klarna?
Pay now
Pay in 30 days
Monthly invoice
Instalments
If you cannot repay the debt on time, you risk a payment default. This may lead to difficulties in renting housing, signing contracts, and obtaining new loans. For support, contact budget and debt counselling in your municipality. Contact details are available at konsumentverket.se
How to decide
Paying within 30 days is interest-free and fee-free when you pay on time. With instalments, spread the cost of your purchase over up to 36 months. Late or missed payments may result in fees, so treat the due dates like any other bill and always pay on time.
To pay instantly with a click or tap. Your details are pre-filled and ready to use, and your personal information is kept safe and secure. Enjoy extra peace of mind with Klarna’s buyer protection. No credit check, no fees.
To pay within 30 or 60 days – or spread the cost. You want to receive and check your order before paying the full amount. You prefer to spread the cost of your purchase over up to 36 months.
Small or everyday purchases
Bigger or unplanned expenses
Still deciding what to keep?
Key takeaways
Pay now means paying the full amount at checkout in a single payment. Pay later lets you choose to pay within 30 or 60 days, or spread the cost of your purchase over up to 36 months. Both options give you flexibility. Pay now if you want it all taken care of right away. Pay later if you want more time or smaller monthly payments. Always pay on time to avoid fees.