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Klarna's Pay in 3 / Pay in 30 days are unregulated credit agreements. Borrowing more than you can afford or paying late may negatively impact your financial status and ability to obtain credit. 18+, UK residents only. Subject to status. Ts&Cs and late fees apply.
So, how does Klarna work?
We partner with retailers all over the world, so that you can shop smoooth directly from their sites. Don't spot us at the checkout? No worries. You can use our app to enjoy flexible payment options everywhere and anywhere online.
Download our free app and get personalised inspiration, exclusive deals and the freedom to shop responsibly and pay how you prefer.
Discover thousands of brilliant brands already using Klarna. From your next pair of shoes to your new phone, check out our store directory to get started.
*Klarna's Pay in 3 / Pay in 30 days are unregulated credit agreements. Borrowing more than you can afford or paying late may negatively impact your financial status and ability to obtain credit. 18+, UK residents only. Subject to status. Ts&Cs and late fees apply.
*Klarna's Pay in 3 / Pay in 30 days are unregulated credit agreements. Borrowing more than you can afford or paying late may negatively impact your financial status and ability to obtain credit. 18+, UK residents only. Subject to status. Ts&Cs and late fees apply.
Klarna's Pay in 3 / Pay in 30 days are unregulated credit agreements. Borrowing more than you can afford or paying late may negatively impact your financial status and ability to obtain credit. 18+, UK residents only. Subject to status. Ts&Cs and late fees apply.
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Klarna app
Elevate your shopping game.
Shop your favourite brands.
Access the latest deals and track price drops.
Manage your payments, report returns and get help if you need it.
Get the Klarna app directly to your phone:
*Klarna's Pay in 3 / Pay in 30 days are unregulated credit agreements. Borrowing more than you can afford or paying late may negatively impact your financial status and ability to obtain credit. 18+, UK residents only. Subject to status. Ts&Cs and late fees apply.
Does Klarna impact my credit score?
Depending on the payment method or service you choose, we may perform different types of searches to check your financial standing. You can find an overview of the credit checks we run for our payment options and services and whether they impact your credit score below.
Using the below Klarna payment options will not affect your credit score. However, existing, late and unpaid balances, and payment holidays, are visible on your credit file to other lenders. Making repayments on time consistently will help build a positive history when using our payment options.
Choosing to ‘Pay in 3 instalments’
Deciding to ‘Pay in 30 days’
Creating a ‘One-time card’
Using Klarna might affect your credit score when:
Applying for one of our Financing options
If you decide to use Financing, we might perform a credit check with credit reference agencies to complete your credit assessment. This credit check will show up as an inquiry on your credit report, will be visible to other lenders and might impact your credit score.
When you choose the Financing option you will be asked to provide or confirm some details about your financial situation. We’ll use this information to decide whether we think you are able to meet your repayment obligations.
To make a purchase with Klarna you need to provide:
Your phone number
Email Address
Current billing address
A valid debit/credit card
We recommend that if you are new to Klarna and you haven’t used Klarna’s payment options before, you should have your first order delivered to your billing address (where your bank account is registered). This maximises the chances of your purchase being accepted.
All information will be sent to your email address, so it is important you provide the right contact details. If you do not receive your statements you may become liable for late payment fees.
Good to know: If you change your email address after you have placed an order, please contact Customer Service and we will help you update your information.
Got any more questions? Read all our FAQs on our Customer Service page.
Spread the cost.
At Klarna we believe there is a better way to shop, one without credit cards or interest. Our Pay in 3 and Pay in 30 days products are an alternative to traditional credit. We partner with retailers to provide flexible payment options for you. No interest. No fees, when you pay on time.
Buy now, pay later.
Paying after delivery allows you to try before you buy. Complete the payment in full after purchase at no added cost. You can report returns directly in our app and only pay for the items that you keep.
Klarna's Pay in 3/Pay in 30 days are unregulated credit agreements. Borrowing more than you can afford or paying late may negatively impact your financial status and ability to obtain credit. 18+, UK residents only. Subject to status. T&Cs apply.
Klarna also offers longer term financing options.
Finance is only available to permanent UK residents aged 18+, subject to status T&Cs apply. Late or missing repayments may have serious consequences for you and cause you serious money problems.
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Choose your language and region
Klarna is available around the world with a variable offering, choose one that suits you best.
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.