Sweden's fairest instalment plan
With Klarna, there are no hidden fees, and you’ll always see the full cost upfront. Easily spread the cost of a purchase from any shop.
Instalment plans from 3–36 months with annual interest of 21,90%.¹
Choose an amount and see the average cost of credit, not just the advertised interest rate
Instalment plans, hire purchase, and revolving credit can all be confusing and difficult to compare. The advertised price rarely tells the whole story. That’s why we show you the expected average cost. Learn more about how we calculated this.
For full details of our calculation methodology and assumptions, see https://www.klarna.com/se/en/calculator/.
Pay in instalments with Klarna anywhere
Did you know you can use Klarna’s fair instalment plans just about anywhere? Here’s how it works in store, online, or with the Klarna Card.
In store
Open the Klarna app to shop at any store. Enter the amount, choose to pay in instalments, then simply tap to pay at the register.
Online stores that offer Klarna
Choose to pay in instalments at checkout at thousands of online stores that offer Klarna. Always with the same fair terms.
With the Klarna Card²
Pay in instalments with Klarna anywhere Visa is accepted.³ It works just as well online, in store, or through the Klarna app.
Why pay in instalments with Klarna?
Sweden’s fairest way to pay in instalments.
See the total cost upfront, with no hidden fees.
Choose the payment term that suits you, from three to 36 months.¹
Find out instantly at checkout if you’re approved.
Works everywhere, online and in-store.
Don’t be misled
Not all instalment plans are equally fair. With some providers, interest, fees, and the way the credit is structured can make the overall cost soar over time, especially if you miss a payment.
High interest and fees
Additional interest and fees can make the total cost much higher than you expected.
With Klarna:
Fair terms, a fixed interest rate, and complete transparency from the start. You’ll always see the total amount before completing your purchase, with no hidden fees.
Steep costs for late payments
Paying “just” the minimum amount or skipping a month may sound flexible, but it often means fees and interest keep mounting up, potentially leaving you in never-ending debt.
With Klarna:
No never-ending debt. You choose a clear payment plan with a set end date, so you know exactly when your purchase will be fully paid off.
Tempting “0% interest” offers
Many providers tempt you with 0% interest, only to add a host of hidden fees that can push the effective interest rate above 100%.
With Klarna:
We always offer a fixed interest rate with no hidden fees. What you see is what you pay.
Use Klarna at brands you love
Discover more ways to pay
Pay in 30 days
Get up to 30 days to pay securely, with no interest or reminder fees when you pay on time. Only pay for what you keep.
Pay in 60 days
Get more time to pay for your purchases, with no upfront costs. Pay within 60 days.⁴
Pay now
Pay for what you love right away. It’s quick, safe, and easy with saved cards and buyer protection.⁵
Monthly invoice
Combine all your purchases into one monthly invoice with a single due date at the end of the month. No interest or fees when you pay on time.
Frequently asked questions
Have questions about paying in instalments? You’ll find the answers here. If you need more help, our customer service team is always ready to help.
Spread the cost of your purchase over up to 36 months.
Here’s how:
- 1.
Select instalments at checkout
- 2.
Choose your preferred payment term and interest rate from the available options
- 3.
Follow the steps to complete your application
- 4.
Get an instant decision and complete your purchase
Once the retailer ships your order, you’ll receive an email with your payment schedule.
We’ll run a credit check when you apply, and you may need to make an upfront payment.
To use Klarna payment methods with credit, you must:
Be a resident of Sweden
Be age 18 or older
Have a valid bank account and a good credit history
Be able to receive verification codes by text message
Create a Klarna account from age 15 and use non-credit payment methods, such as bank transfers and card payments.
We’ll always send you a reminder before taking your payment, so you know what to expect. If the payment doesn’t go through, we’ll try again. If you have Autopay enabled, we’ll automatically make up to two more attempts. We’ll notify you after each failed attempt.
If the payment still doesn’t go through, a reminder fee may apply:
29 kr if your instalment is under 60 kr
60 kr if your instalment is 60 kr or more
It depends on your agreement. Your first payment is due one month after the retailer ships your order. After that, monthly payments are due on the same date. Some purchases require an upfront payment. View your payment schedule and upcoming payments anytime in the Klarna app.
Klarna offers instalment plans from 3–36 months at an annual interest rate of 21,9%.¹
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