Financing

Boost sales with customer Financing.

Offer your customers flexible financing. You always get paid upfront and in full and customers get a new level of buying freedom.

The world’s top brands are using Klarna Financing to increase their sales.

Klarna Financing gives your customers the flexibility to buy now and spread the cost with monthly payments. Your customers will get increased purchasing power, which means more sales and better conversions for your business.

60%

increase in average order value with Klarna Financing.

20%

increase in checkout conversions when shoppers choose Klarna financing.

How Financing works.

On each product page, shoppers see both the full price of an item and the minimum monthly cost to use Klarna Financing.

Financing at checkout

1. At checkout

Your customer selects Financing and completes a simple application with top-of-mind details. They will receive an instant decision with an offer personalized to fit their needs.

Financing sms on shipment

2. On shipment

Your customer easily makes their monthly payments to Klarna online or in our app. As always with Klarna, you get paid upfront and in full.

Financing post purchase

3. Post-purchase

Your shopper gets a clear overview of their purchases in the Klarna app and can easily manage their orders or set up automatic payments.

Klarna x Lenovo.

We’re boosting e-commerce for global technology leader Lenovo.

Effortless integration.

Getting up and running with Klarna is easy. We can quickly integrate with your existing technology platforms and payment partners. Need a custom solution? We can do that, too.

View all of our partners

Details about Financing.

Let’s get down to the nitty-gritty. All you need to know is right here.

Service

Market availability
US, UK, DE, AT, SE, NO, FI
Show/hide function
Included
Payment period starts
When order is shipped
Number of payments
3+ payments
Time between payments
1 month
Consumer APR
From 0%-29.99%
Payments made
Manually paid online or in app
Zero-fraud liability
Included
Klarna seller protection
Included

Integration

Direct integration via
Javascript and RestAPI
Auto updates
Included

Partnership

Max payment delay
3 business days after order is shipped
Standard term of agreement
36 months
Cost / Pricing model
Up to 0.30 USD + 3.29% per transaction
See legal terms

What else?

We have more solutions and payment methods that might interest you. Read more about how and where you can sell with Klarna.

4 Installments

Pay in 4 interest-free installments.

Give shoppers the freedom to spread the cost interest-free over time. Retailers get paid immediately and shoppers get a flexible plan.

Pay in 30 Days

Offer an extra 30 days to pay.

Let your customers try before they buy by offering an extra 30 days to complete their payment. No fees.

Get more customers who shop more, more often. Are you ready?