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Financing
Financing for higher-ticket items.
Let your customers finance their purchases and spread the cost over time.
The UK’s top brands are using Klarna Financing to give their customers purchasing power.
Klarna Financing gives your customers the option to buy now and pay over time with monthly plans between 6-36 months, interest bearing or interest free. Your customers get increased purchasing power and the ability to manage their cash flow.
How Financing works.
On each product page, shoppers see both the full price of an item and the minimum monthly cost to use Klarna Financing.
1. At checkout
Your customer selects Financing and completes a straightforward application. They will receive an instant decision with an offer personalized to fit their needs.
2. On shipment
Your customer easily makes their monthly payments to Klarna online or in our app. As always with Klarna, you get paid upfront and in full.
3. Post-purchase
Your shopper gets a clear overview of their purchases in the Klarna app and can easily manage their orders or set up automatic payments.
Effortless integration.
Getting up and running with Klarna is easy. We can quickly integrate with your existing technology platforms and payment partners. Need a custom solution? We can do that, too.
Details about Financing.
Let’s get down to the nitty-gritty. All you need to know about Klarna Financing is right here.
Service
Market availability | US, UK*, DE, AT, SE, NO, FI |
Show/hide function | Included |
Payment period starts | When order is shipped |
Number of payments | 6-36 |
Payment term | 6-36 month payment plans |
Time between payments | One month |
Consumer APR | No more than 21.90% |
Payments made | Manually paid online or in app |
Klarna buyers protection | Included |
Klarna sellers protection | Included |
*Credit broker licence required.
Integration
E-commerce platforms | |
Direct integration via | Javascript & RestAPI |
Auto updates | Included |
Dev resources |
What else?
We have more solutions and payment methods that might interest you. Read more about how and where you can sell with Klarna.
Instalments
Offer interest-free instalments.
Allow your customers a modern alternative to point of sale credit by letting them pay in 3 equal interest-free instalments.
Pay in 30 days
Offer an extra 30 days to pay.
Let your customers try before they buy by offering an extra 30 days to complete their payment, interest free.
Get Klarna customers shopping with you now. Are you ready?
Choose your language and region
Klarna is available around the world with a variable offering, choose one that suits you best.
Copyright © 2005-2023 Klarna Bank AB (publ). Klarna Bank AB (publ) is authorised and regulated by the Swedish Financial Supervisory Authority. Deemed authorised by the Prudential Regulation Authority. Subject to regulation by the Financial Conduct Authority and limited regulation by the Prudential Regulation Authority. Details of the Temporary Permissions Regime, which allows EEA-based firms to operate in the UK for a limited period while seeking full authorisation, are available on the Financial Conduct Authority’s website. Klarna Bank AB offers both regulated and unregulated products. Klarna’s Pay in 3 instalments and Pay in 30 days agreements are not regulated by the FCA. Klarna Bank AB (publ) registered and head office: Sveavägen 46, 111 34 Stockholm, Sweden. A Swedish public limited company (publikt bankaktiebolag) registered with the Swedish Companies Registration Office with organisation number: 556737-0431.