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 protection³ on eligible purchases.
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.
Frequently asked questions
You can pay with Klarna wherever you shop, online or in store. At checkout, simply select one of our flexible payment options and choose to pay in full, later¹, or over time⁶. If you don't see Klarna at checkout, you can still pay flexibly in several ways. Use your Klarna Card anywhere Visa is accepted⁴, or tap with Apple Pay⁷ or Google Pay⁸.
Klarna offers several payment options designed to give you more control over how and when you pay:
- Pay in 4¹: Split your purchase into 4 interest-free payments, automatically charged every 2 weeks.
- Pay in 30 days¹: Shop now and pay up to 30 days later.
- Pay over time²: Spread the cost of eligible purchases over smaller monthly payments.
- Pay in full: Pay for your purchase right away using your preferred payment method.
Available payment options may vary depending on the retailer, purchase amount, and eligibility.
Yes, the Klarna app makes it easy to manage multiple purchases in one place. You can group your payments to get a clear overview of what's due and when, helping you stay on top of your spending. Simply open the Klarna app to view and manage your upcoming payments.
Yes, you can pay early at any time for any Klarna purchase. Whether you'd like to pay your next installment ahead of schedule or pay off your remaining balance in full, there are no penalties or extra charges for paying early. Simply manage your payments in the Klarna app whenever you're ready.