What is Buy Now Pay Later and how does it work?

Log in to the app to shop and select your preferred payment option in the store’s checkout. Then wait for your purchase to be delivered before paying in full.

Pay in 3

Split your purchases into 3 interest-free monthly payments. The first payment is made at the point of purchase, with the remaining payments scheduled automatically every 30 days. Your payments are automatically withdrawn from your connected card or bank account according to the agreed payment schedule, but you can make early payments anytime you wish.

Log in to the app to extend your due date. If you postpone your due date any upcoming payments for this order will be rescheduled to be withdrawn monthly from the new payment date.

The pending authorisation hold is released when the first payment is charged. Depending on your bank it can take 5 to 7 days for this to be reflected on your account.

Pay in 30

Make a purchase and wait for it to be delivered before paying. You only have to pay for what you keep.

Log in to the app for an overview of all your purchases. Navigate to Settings and follow the prompts to set up Autopay to ensure you never miss a payment.

Good to know: Missed payments and unpaid debts can incur fees and may be sent to debt collection. Contact us if you are experiencing financial difficulties – we are here to help.


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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.