Hi. We’re Klarna.

We make online shopping smooth, simple and safe.

We make online shopping smooth, simple and safe.


Klarna enables a hassle-free online buying experience, whichever way you wish to pay. Regardless of the method, once you have a Klarna account your details are saved so you can enjoy easy one-click purchases in the future.


Enjoy the flexibility to Pay Over Time

Buy Now, Pay Later

When choosing Klarna’s buy now, pay later option at checkout your goods are shipped and the purchase added to your Klarna account. At the end of an interest-free time period specified by the retailer, you then need to decide to either pay off the entire purchase in full or start paying monthly with interest (18.9% APR representative).

Unlike other providers, the Klarna credit application is quick and easy. We request minimal information via a 4-step process and the decision is made in real-time.

Here's how it works →

Credit subject to financial circumstances. You must be at least 18.


Planned Payments

Spread the cost of your purchase over several months at a low interest rate (time period and options depend on the merchant), giving you flexibility and increased purchasing power. The Klarna credit application is quick and easy. We request minimal information via a 4-step process and the decision is made in real-time.

Credit subject to financial circumstances. You must be at least 18.


Buy it. Love it. Pay for it.

Pay After Delivery

At available merchants you can place your order using Klarna’s pay after delivery, receive your goods, then within 14 days settle your bill directly with Klarna via card or bank transfer – all interest-free.

This is how it works →


Pay straight away

Pay Now

You can also pay directly with a credit or debit card when you checkout with Klarna. Once you have a Klarna account, your details are saved so you can enjoy quick one-click purchases in the future.

All major card brands accepted.