1. Log in or sign up, or use the Klarna app Log in or create an account here on Klarna.com by clicking the button below.
2. Create a one-time card Enter your desired purchase amount, including shipping and taxes.
3. Copy over the one-time card details Paste the one-time card info in ZARA's checkout as if it's a new Visa card.
4. Place your order Enjoy your purchase and confidently manage your payments based on your chosen payment plan.
Join millions who use Klarna at ZARA and other stores
93 million people love to shop and pay with Klarna anywhere—rated 4+ on Trustpilot.
"I love Klarna! I absolutely love using Klarna as my payment option. Their communication is excellent and extremely prompt. The App is easy to use and it’s now always my preferred method of payment for goods online. I particularly love the Buy Now Pay Later option for retailers such as Asos and H&M."
Helen Allinson
"I've been using Klarna for a while now, and I absolutely love how convenient it is! The "Pay in 3" and Pay Later options make budgeting so much easier, especially for bigger purchases. The app is super user-friendly, and I love that it gives me reminders so I never miss a payment."
Sarah Ordu
" Unexpected purchase + tight month = Klarna!! I find Klarna fantastic, especially for unexpected purchases that haven’t been budgeted for. I use online market places like eBay and Vinted and often see something I’d like and being able to pay in 3 instalments over 3 months means I can grab some bargains that I usually would miss out on if I had to pay in full."
Glenn
Other ways to pay with Klarna at ZARA
Use the Klarna Card
Get Klarna on a Visa card and choose how you pay for any purchase. Sign up in 60 seconds and start using it today.
Apply for free
Frequently asked questions
For more help, please contact customer support.
Set the amount you intend to spend.
Connect the one-time card to your personal debit or credit card and choose your payment plan.
When you are ready to pay, select the Visa credit card option and enter the one-time card details in the checkout, as you would with any other card.
Pay for your purchase according to the payment plan you selected.
Good to know: The card expires automatically after 24 hours if it's not used. Any hold placed on your card will be released within 24 hours. Depending on your bank it can take up to 7 business days for the release to be reflected on your account.
There is no predefined spending limit when using Klarna. Instead, a new automated approval decision about how much you can spend with us is made each time you pay with Klarna.
To see your estimated amount to spend:
- Go to Purchase power
- Follow the prompts to check the estimated amount you can spend on your next purchase Your Purchase Power is an estimated amount based on factors such as your payment history with Klarna and your outstanding balance. The amount is not a guarantee and may change based on the store and payment option you choose.
I want to increase my Purchase power A good payment history, always paying on time and making payments towards your outstanding purchases can increase your Purchase power over time. Our Customer Service can’t accept requests for spending limit increases.
My Purchase power is £0 If you’ve spent above your purchase power, then your purchase power will be £0. Making payments towards your outstanding purchases can increase your Purchase power.
My Purchase power is not available If you have overdue or failed payments, then your Purchase Power will not be available. To increase your chance of approval to shop with Klarna, and view your Purchase power in the app, settle your failed or overdue payments
For Klarna Financing We will confirm your credit limit by email you once you have signed your Klarna Account agreement in the checkout. Your credit limit is also shown on each monthly statement or in the app.
The one-time card will expire automatically after 24 hours, or you can cancel the one-time card if it's no longer needed.
Any hold placed on your card will be released within 24 hours. Depending on your bank it can take up to 7 business days for the release to be reflected on your account.
No worries – you’ll only be billed for what you end up using. When you are sure your entire order has been processed, log in to the app and select Refund unused amount.
If you don’t select the option in the app, Klarna will automatically adjust the plan after 14 days. If you have already paid more than what you used, we will issue a refund.
Good to know: The authorisation hold placed on your payment card will be released. This can take between 1 to 7 days depending on your bank.
You can always find active one-time cards on the Payments/ Wallet pages.
Split any purchase at ZARA with Klarna
Buy now with flexible payment options using our secure, instantly created, single-use virtual card.
*Pay in 24 installments with Klarna, APR 21.90%: Borrowing more than you can afford, or paying late, may make it harder to get credit in the future. Credit subject to status. 18+. UK residents only. A downpayment of 10% or higher may be required. Klarna Financing has a representative 21.9% APR (fixed). Representative example: 21.9% APR representative based on a loan amount of £1200 repayable over 24 months at an interest rate of 21.9% p.a. (Fixed). 23 monthly payments of £61.06 and last payment of £55.01. Total amount payable of £1,463.39. Total charge for credit £263.39. Minimum and maximum purchase amount £250 - £10,000. Lender: Klarna Financial Services UK Limited (nr 14290857). T&Cs apply. Pay in 3: Klarna’s Pay in 3 is an unregulated credit agreement. 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 and late fees apply.