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How is Klarna flexible?
Life moves and your money should too. Klarna gives you flexible ways to pay so you can extend a due date, adjust a payment, or pay early and stay in control of your purchases.
A variety of payment options
Klarna gives you control. Select from different payment options designed to match your needs, your timing, and your preferences.
Pay in 4
Split your purchase into 4 interest-free payments, paid automatically every 2 weeks.¹
Pay over time
Need more time to pay? Simply spread the cost over smaller monthly payments. 6-24 month options are available.²
Pay in full today
Pay for what you love right away. Fast and secure, with stored cards and buyer protection.³
Pay in 30 days
Shop now and get the flexibility to pay up to 30 days later, with no late fees or interest when you pay on time. Pay only for what you keep.¹
Extend a due date
Need more time to pay? Klarna allows you to extend your due date once per purchase directly in the app. There’s no penalty for requesting an extension once per purchase, and no fees when you pay on time. The extension is capped at 7 days and is available for Pay in 4 purchases.
Available wherever you are
Klarna is accepted at thousands of U.S. retailers, both online and in-store. And with the Klarna Card, you can shop anywhere Visa is accepted, even at stores that don’t list Klarna at checkout.⁴
Pay now or later with the Klarna Card
The Klarna Card gives you the freedom to choose how each purchase works for you.
Use Pay in full for everyday spending straight from your Klarna balance, or decide upfront to pay later when you want to split a larger purchase into installments.⁵
Every purchase becomes an opportunity to pick the payment option you prefer. If you choose credit or financing, interest may apply based on the terms.
Flexibility on every order
Convert to pay over time
If you need more time to pay, Klarna lets you turn a purchase into a financing loan. Start with Pay in 4 and extend to monthly payments.⁶ A soft credit check and eligibility criteria apply.
Group payments
Keeping track of multiple purchases is simple with the Klarna app. Group your payments and clearly see what’s due and when.
Pay early, without penalty
Klarna gives you the freedom to pay early at any time. You will not be charged for paying ahead, whether it is your next installment or your full balance. This option is available for all Klarna purchases in the US.
Multiple funding sources
Klarna supports debit cards, credit cards, linked bank accounts, and digital wallets in the US. With flexible funding options, you can choose what works best for every purchase.
¹ See payment terms. A higher initial payment may be required for some consumers. CA resident loans made or arranged pursuant to a California Financing Law license. NMLS #1353190.
² A $1,000 purchase might cost $173.53 per month over 6 months at 13.99% APR.
The following must be at the bottom of asset or One Click Away: Rate ranges from 0.00%-35.99% APR based on creditworthiness, term length, and subject to credit approval, resulting in, for example, 3 equal monthly payments of $333.33 at 0.00% APR to $353.52 at 35.99% APR per $1,000 borrowed. Minimum purchase amount and down payment may be required. Estimation of monthly payment excludes potential tax and shipping costs. Monthly financing through Klarna issued by WebBank.
³ Exclusions apply. Learn more.
⁴ Use your card anywhere Visa is accepted. Certain merchant, product, good and service restrictions apply. Some merchants do not accept virtual cards. Physical card only included with a paid Klarna Membership Plan.
⁵ Deposits in your balance account are held at WebBank, Member FDIC. Klarna is not an FDIC-insured bank and deposit insurance only covers the failure of WebBank. Your deposits in the balance account are eligible for pass-through deposit insurance coverage if certain conditions are satisfied. Funds may be made available to you before WebBank receives them (“early availability funds”); such early availability funds may not be FDIC insured until received by WebBank. Loans that you obtain using the Klarna Card not insured by the FDIC and are not deposits. Account disclosures.
⁶ Monthly financing through Klarna issued by WebBank. Other CA resident loans made or arranged pursuant to a California Financing Law license. NMLS #1353190.