Pay in 4. Anywhere.

Split any purchase into 4 interest-free payments. Online or in-store, it’s easy with Klarna.

Pay how you like

Enjoy the flexibility to get what you want and pay over time.

4 interest-free payments

Pay in 4 with Klarna through our app, from, or anywhere Visa is accepted.

No credit impact

Our instant approval process has zero impact on your credit score.

Pay in 4, on any device.

Split the costs at all your favorite online stores, directly from desktop or from your phone. You decide what suits you.

Shop and save.

Find the best deals with Klarna.

Shop now with Klarna.

Find stores where you can pay in 4, online and in-store.

Earn up to $200 by referring friends.

Invite friends to the Klarna app and earn up to $200 in gift cards. And your friends get a $20 gift card of their own, just for trying a better way to shop. It's a win-win.*

Scan the code with your phone’s camera to get started:

*T&Cs apply. Find the Klarna Referral Terms and Conditions here.

What our community thinks.

Available on App Store.

Out of 465,000 reviews in the App Store, we've received an amazing average rating of 4.8 stars.

Available on Google Play.

Our users on Google Play have given us an average rating of 4.6 stars out of 328,000 reviews.

Your loyalty cards. All in one place.

Slim down your wallet—go digital instead. Add your loyalty cards to the Klarna app to never miss a point from your favorite stores. Available in the latest version of the Klarna app.

Get more time to pay. Anywhere online.

Get the free Klarna app on your phone: