Financing
Give them the credit they deserve.
Add financing as a payment option and let your customers spread the cost of their transaction over time. Boost purchase power right when it's needed - at the point of sale.
58%
increased average order value.
79%
increase in conversion.
How it works.
Klarna's consumer finance is designed for today’s shoppers – giving them more ways to buy online in your store. Monthly financing enables your customers to pay over 6–36 months.
Browsing
Shoppers see both the full price of an item and the minimal monthly cost when paying with financing.
At checkout
Your customer selects financing and completes a simple, one-time application to receive an instant decision without entering their card details.
On shipment
Your customer easily makes their monthly payments to Klarna online or in our app. You always get paid in full, upfront, even if we don’t.
Post purchase experience
Whether you’re a buyer or a seller, we’ve got your back. We take full fraud and credit risk for sellers, while giving full protection to buyers. We also put the control in the hands of the customers via the Klarna app – gathering all orders in a single place. With the app, your customer can manage their purchases, choose or change payment method, chat with customer service 24/7 or make returns. And two days before the invoice is due, we remind the customer of their payment.
A flexible way for customers to split their purchase over time
0% interest on promotional periods
Customers make interest-free monthly payments within the offer period up to 36 months. Planned and fixed payment terms at a reduced promo annual percentage rate.
Ideal market fit
Perfect for the purchase of larger-ticket items in verticals such as furniture, homeware, electronics and DIY. Ideal for baskets over £800. The average purchase value with Klarna financing is £2000.
In store too
Financing options from Klarna are also available for in store, physical shopping environments. With the same great user experience as online.
The credit application is done in 4 easy steps, without your customer ever leaving your site. It’s super easy and mobile friendly, putting us way ahead of our competitors.
85%
of users say Klarna is a better experience than other online checkouts.
2X
Financing users on average spend twice as much as other customers.
Boost your business.
A customised payment solution that speaks to your customer's needs will win you more sales. Offering consumer finance is the easiest way to make that happen.
Conversion
The simple credit-process and seamless checkout experience will make more shoppers complete their purchase.
Average order value
Allowing shoppers up to 36-months financing will increase their purchasing power. Which means boosting your sales.
Customer loyalty
By offering solutions that meets your customers needs, you will attract new and returning customers to your store.
Credit broker
Please note that in order to offer Klarna Financing merchants are required to have a Credit Broker License (CBL).
“Klarna's flexible payment has helped increase ROI at events. We’re now able to attract those looking to invest more . in their outdoor activities, safe in the knowledge that they can see the goods at home before parting with all their cash up front.”
- Richard Forman, PJ Outdoors
Always with Klarna.
Regardless of what solution or payment method you sign up for, joining forces with Klarna will make running your business easier.
Automatic updates
You’ll always have the latest and greatest version of all Klarna products.
New business
Klarna refers millions of shoppers to our retailers via our promotions and shop directory.
Business insights
Make smart, data-driven decisions based on real customer insight.
Buyer's protection
We guarantee that the merchant holds up their end of the bargain. If the goods are wrong or don’t arrive, we take the cost.
Seller's protection
We assume all credit and fraud risk, so you can focus on running a successful business.
Globally compliant
All products are adapted to fit local preferences and legislation.
Upfront payment
You always get paid right away and in full with any of Klarna’s payment options.
