Pay now vs. pay later: choose what works for you
There's more than one way to pay when you shop with Klarna. Choose to pay in 3 interest-free instalments, pay the full amount, in 30 days, or over time.¹ There’s no single right choice. It depends on your timing, your budget, and how you prefer to manage your money. Here’s how each option works and when it might make sense for you.
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).
What "pay now" and "pay later" mean with Klarna
Pay in full (Pay now)
Pay in 30 days
Pay in 3
Financing
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.
Pay in 30 days and Pay in 3 are interest-free and fee-free when you pay on time. With Financing, you can spread the cost of your purchase for up to 24 months. Late or missed payments can result in fees for any of these options, so it helps to treat due dates like any other bill and pay on time.
Why do shoppers choose Pay in full?
Pay for what you love in an instant.
All your details prefilled for use, your personal info is safe and secure
Get extra peace of mind with Klarna's buyer protection³
No credit check, no fees
³ Exclusions apply. Learn more.
Why do shoppers choose to pay later?
Pay in 30 days, Pay in 3 or Financing can be helpful when:
You want to get your order today and spread the cost to match your budget
You'd prefer to split your purchase into 3 interest-free instalments, or spread the cost of your purchase for up to 24 months
You're looking for a simple and flexible way to manage your spending
How to decide
Choose what works for you
Pick the option that aligns with how you like to plan and manage payments.
Your budget, your call
Consider what feels right for you and how you like to pay.
Different situations
Different payment options work for different situations. Pay upfront, later, or over time.
The takeaway
Pay now means you pay the full amount at checkout in a single payment. Pay later lets you choose between paying within 30 days, splitting your purchase into 3 interest-free instalments, or spreading the cost of your purchase for up to 24 months.
Both options are designed to give you flexibility. Pay now if you want everything settled immediately. Pay later if you want more time or smaller payments, and always pay on time to avoid fees.