Plan big. Pay with Financing.
Break up your purchase into smaller monthly instalments. Get what you love and spread the cost over a period of 6-24 months.¹
Why do shoppers choose Financing with Klarna?
Flexible terms: Split the cost over 6-24 months¹ with a fixed monthly amount.
Full transparency: View your total repayment schedule upfront, with no extra fees when you pay on time.
Instant decisions: Get confirmation for a payment plan in a few seconds.
Pay it off early: Settle the full amount anytime, at no extra cost.
How Financing works
Choose Klarna at checkout
Choose Financing
Complete your purchase
Discover more ways to pay
Pay in full today
Pay in 30 days
Pay in 3
Don't see Klarna Financing at checkout?
Don't see Klarna Financing at checkout?
⁵ Paid membership required to access Klarna Card Pay Later plans. Representative APR 35.1% (fixed). Borrowing more than you can afford or paying late may negatively impact your financial status and ability to obtain credit. Credit subject to status. Ts&Cs and late fees apply.
⁶ Klarna on Apple Pay is available in-store on iPhone and online or in-apps on iPhone or iPad. Software requirements apply. Loans not offered by Apple. Paid membership required to access Pay Later plans. Representative APR 35.1% (fixed). Borrowing more than you can afford or paying late may negatively impact your financial status and ability to obtain credit. Credit subject to status. Ts&Cs and late fees apply.
Frequently asked questions
Questions on how to use Financing? Find your answers here. 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:
- 1.
Select the Financing option in the checkout
- 2.
Choose your preferred timeline and interest rate from the available options
- 3.
Follow the steps to complete the application
- 4.
Get an instant decision
- 5.
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 Klarna 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.
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.