Financing
Get even more
time to pay
Break up the cost of your purchase into smaller monthly payments. See where you can pay with Financing.
Why do shoppers choose Financing with Klarna?
Break up a bigger purchase into smaller payments.
Choose your preferred timeline between 6-24 months.¹
Get an instant approval decision at checkout.
Pay off the full amount any time without penalty.
How Financing works
Choose Klarna at checkout
Click on the pink badge and pay with Klarna at your favourite stores.
Choose Financing
Choose Financing and spread the cost over 6-24 months with an APR of 21.9 %.
Complete your purchase
You'll receive an email with your payment plan when the store ships your order. From there, you can manage your payments in the app.
Pay your way at your favourite brands
Look for Klarna at checkout, offered at thousands of brands.
Discover more ways to pay
Pay in 3
Split your purchase and spread the cost in 3 interest-free instalments, paid every 30 days.²
Pay in 30 days
Shop now and get the flexibility to pay up to 30 days later, with no late fees or interest when you pay on time. Pay only for what you keep.²
Pay in full today
Pay for what you love right away. Fast and secure, with stored cards and buyer protection.³
Frequently asked questions
Questions on how to use Financing? Find your answers below. For any further help or troubleshooting, please contact customer service.
Klarna's Pay over time lets you shop and pay in installments. You can spread the cost of your purchase for up to 24 months. Here's how:
Select the Financing option in the checkout
Choose your preferred timeline and interest rate from the available options
Follow the steps to complete the application
Get an instant decision
Complete your purchase
You’ll receive an email from us with your payment plan when the store ships your order.
Please note: A soft credit check will be performed when you apply for our Financing option. Soft credit checks do not affect your credit score and will not be visible to other lenders.
To be eligible to use Klarna you must:
Be a UK resident
Be at least 18
Have a valid card/bank account
Be able to receive verification codes via text
Your financing account is already set up with automatic payment withdrawals to help you stay on top of your payments.
A late fee will be added to your balance if we have not been able to collect your payment up to 14 days after an instalment is due. Prior to this, we will send friendly reminders via SMS, push notification, and email. You will only be charged a maximum of one late fee per unpaid instalment. Interest will only be applied to the original instalment amount.
For Pay over time loans, Klarna shares information about your loan and repayment activity with the credit bureaus, TransUnion and Experian, including on-time payments, late payments, and missed payments. At this time, this information does not impact your credit score and is only visible to you. Other lenders cannot view your Klarna Pay over time payment history.
That depends on your agreement.
Your first payment will be due one month after the merchant ships the goods, and then monthly thereafter on the same date each month (some orders may require a down payment).
You can always find your payment plan and upcoming payments in your Klarna app.
Never miss a payment with the Klarna app
Manage your payments and get due date reminders on the go.
Download the app: