How Klarna fits into managing payments
Everyone handles purchases differently: what you buy, when you pay, and how you keep track. Klarna offers different ways to pay and a clear view of what you owe, so you can pick what suits you.
One account. One place for your payments.
Everything in one app
Whether you shop online, in the app, or pay with Klarna in-store, you can see what is coming up and manage everything from a single app.
No separate accounts
There is no need to create separate accounts for each store or track payments individually.
One login, wherever you shop with Klarna
With one login, your payment schedule stays organised wherever you shop.
Your Klarna account brings payments, due dates, and shopping history together in one place across stores and devices.
Payment options that fit different moments
Different purchases may call for different approaches. Klarna offers several ways to pay flexibly.
Pay in full
Pay the full amount at checkout in one transaction when you are ready to complete the purchase.
Pay in 3
Split your purchase into 3 interest-free instalments. The first payment is collected when your order is shipped, and the next two instalments are automatically charged every 30 days. There is no interest ever and no late fees when you pay on time.¹
Pay in 30 days
Receive your order now and pay within 30 days.¹ This option allows you to complete your payment after you have received your items.
Financing
Spread the cost of larger purchases over monthly payments for 6 to 24 months with financing.² This option provides a structured repayment schedule for higher-value purchases and may include interest.
¹ Klarna’s Pay in 3/Pay in 30 days are unregulated credit agreements. Klarna Financing is regulated if it charges interest or lasts over 12 months. It is not regulated if it’s 0% interest and 12 months or less. Borrowing more than you can afford or paying late may negatively impact your financial status and ability to obtain credit. 18+, UK residents only. Klarna’s Regulated Financing has a representative APR of 21.9% (fixed).
² Klarna Financing is regulated by the FCA. Financing 0% and <12m are not regulated by the FCA. Borrowing more than you can afford or paying late may negatively impact your financial status and ability to obtain credit. Credit subject to status. 18+, UK residents only. A downpayment of 10% or higher may be required. Klarna Financing has a representative 21.9% APR (fixed). Representative example: 21.9% APR representative based on a loan amount of £1200 repayable over 6 months at an interest rate of 21.9% p.a. (Fixed). 5 monthly payments of £211.81 and last payment of £210.37. Total amount payable of £1,269.42. Total charge for credit £69.42. Minimum and maximum purchase amount £250 - £10,000. Lender: Klarna Financial Services UK Limited (nr 14290857). T&Cs and late fees apply.
Klarna at checkout
You will see Klarna as a payment option at thousands of participating stores online and in the Klarna app.
At checkout, select Klarna and choose how you want to pay. Once your account is set up, you can use it across participating stores.
Your selected payment plan and upcoming due dates remain visible in your account, helping you keep your routine consistent wherever you shop.
Manage everything in the Klarna app
The Klarna app gives you a clear overview of purchases and upcoming payments in one place. With the app, you can:
Manage your payments
Reviewing upcoming payments can help you understand how new purchases fit into your schedule.
Track orders
Track your deliveries and returns directly in the Klarna app.
Set reminders
Get due date reminders on the go with the Klarna app.
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Discover all of the above and more—only in the Klarna app.
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