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.