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Boost sales with customer Financing
Klarna 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.

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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.


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.

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Details about Financing.

Let’s get down to the nitty-gritty. All you need to know about Klarna Financing is right here.


Market availability


Show/hide function


Payment period starts

When order is shipped

Number of payments


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


Klarna sellers protection


*Credit broker licence required.


E-commerce platforms

Direct integration via

Javascript & RestAPI

Auto updates


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.


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?

Copyright © 2005-2024 Klarna. Klarna Financial Services UK Ltd is authorised and regulated by the Financial Conduct Authority (“FCA”) for carrying out regulated consumer credit activities (firm reference number 987889), and for the provision of payment services under the Payment Services Regulations 2017 (firm reference number 987816). Klarna Financial Services UK Ltd offers both regulated and unregulated products. Klarna’s Pay in 3 instalments and Pay in 30 days agreements are not regulated by the FCA. Incorporated in England (company number 14290857), with its registered office at 10 York Road, London, SE1 7ND.