The all-in-one shopping app.

Get the Klarna app directly to your phone:

Klarna is the smoooth and safe way to get what you love today, and pay over time.

Klarna’s Pay in 3 instalments and Pay in 30 days credit agreements are not regulated by the FCA. Use of these and any missed payments may affect your ability to obtain credit from Klarna and other lenders. 18+, UK residents only. Subject to status. T&Cs 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.

Pay later with our shopping app.*

Download our free app and get personalised inspiration, exclusive deals and the freedom to shop responsibly and pay how you prefer.

Your new source of inspiration.

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 instalments and Pay in 30 days credit agreements are not regulated by the FCA. Use of these and any missed payments may affect your ability to obtain credit from Klarna and other lenders. 18+, UK residents only. Subject to status. T&Cs apply.

Pay later with Klarna.

Millions of savvy shoppers have already chosen Klarna when shopping at their favourite retailers. Try before you buy and pay in full up to 30 days later, or split the cost into 3 interest-free monthly instalments.*

Pay in 3 instalments

Spread the cost of your purchase into 3 interest-free instalments. The first payment is made at point of purchase, with remaining instalments scheduled automatically every 30 days.*

Pay in 30 days

Make your purchase today so you can try before you buy. Only pay for what you keep. Pay up to 30 days later. No interest. No fees.*

* Klarna’s Pay in 3 instalments and Pay in 30 days credit agreements are not regulated by the FCA. Use of these and any missed payments may affect your ability to obtain credit from Klarna and other lenders. 18+, UK residents only. Subject to status. T&Cs apply.

The brands behind the buzz.

With the Klarna app, you can pay in 3 interest-free instalments at all your favourite brands – that’s right, all of them!

Featured shops

Top categories

Klarna app

Spread the cost at any store.*

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:

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.

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.

Why Klarna?

Spread the cost.

At Klarna we believe there is a better way to shop, one without credit cards, interest or fees. 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.

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 instalments and Pay in 30 days credit agreements are not regulated by the FCA. Use of these and any missed payments may affect your ability to obtain credit from Klarna and other lenders. 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.

Find out more

Get the inside scoop.

Become a Klarna insider and get access to exclusive partner deals, giveaways, new launches, and shopping inspiration. All delivered directly to your inbox.