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.

Checkout with Klarna

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.

On shipment

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.

Post-purchase

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.

View all of our partners

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 18.99%
Payments made
Manually paid online or in app.
Klarna buyers protection
Included
Klarna sellers protection
Included

Integration

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?