Products & services

Pay over 6 months is one of our financing options for using our One-time card through the Klarna app with a fixed interest rate, fixed monthly rate and due date. Once approved, this option allows you to make 6 payments over 6 months for your purchase.

To use Klarna’s financing options, simply select to pay later with financing and choose your preferred payment plan. You’ll be informed of an annual interest rate upfront before you complete the transaction. To apply for the one-time credit agreement complete a simple, 4-step credit application with your personal information. You will know instantly if you are approved and can complete the order right away. The credit is issued by WebBank in partnership with Klarna and allows you to pay for your purchases over time.

As soon as the merchant processes your order, you will receive an email from Klarna outlining your payment schedule. Your first payment will be due one month after your order is processed. Your purchase and payments will then be visible and manageable in your Klarna App. So make sure to download the Klarna App to stay in full control and never miss a payment!

The decision of whether or not to approve a One-time card is based on an automated assessment. We understand that it can be frustrating to be declined for a purchase after being approved in the past. However, our approval process helps Klarna responsibly offer our services to our customers. Please understand that our Customer Service is not able to change the outcome of the approval decision.

Was the One-time card declined in the store’s checkout?

Once you are approved for a One-time card, you may be denied at check-out with a message that the One-time card cannot be used at that store. While Klarna does not review each merchant available in the shopping app, we generally decline transactions at these merchants to promote financial wellness and best meet our regulatory, ethical, and risk standards:

• Bill or rent payments
• Food or delivery services
• Gift card providers
• Governmental agencies
• Medical care
• Online gaming or gambling
• Rideshare services
• Subscription services
• Selling of drugs or alcohol

Klarna’s ‘Pay in 30 days’ allows you to receive your order up front and get up to 30 days to pay without any interest and fees. In our app you’ll have the option to pay off the balance earlier or extend the due date to a later date for a fee if needed.

If your order is eligible for ‘Pay in 30 days’, the option will be presented at the time of checkout. As soon as the store ships your order, you will receive an email from Klarna outlining your payments. Your purchase and payments will then be visible and manageable in your Klarna App. So make sure to download the Klarna App to stay in full control and never miss a payment!

Good to know: There is no fee to use ‘Pay in 30 days’!

Find more information about your payment options with Klarna here.

Our One-time card is a virtual single-use card to use for shopping at any US facing online store. Each time you create a One-time card with Klarna, you will be given a unique card number that you can use in the checkout of the store, like any regular credit card. Each One-time card then follows its own payment plan that you can pay and manage in the Klarna app or on klarna.com.

Please be aware that depending on the payment option you choose when creating the card, there might be a pre-authorization hold placed on your payment card. This ensures that enough funds are available on your credit or debit card.

How to create a One-time card

• To create a one-time card just choose to “Pay with Klarna” when you shop in the Klarna app or create a new one-time card from the “My Klarna” tab.
• Enter the dollar amount that you plan to spend and you’ll choose how you want to pay for it
• Once you’re ready to checkout your address details will be filled in based on what we have on file. If we don’t already have your information, you will enter your standard billing and shipping addresses.
• When you reach the payment method, select the credit card option, and enter the One-time card information as you would with any other card. Enter the card number, expiration date, and CVV. If asked for the name on the card, simply use your name.

Good to know: A One-time card can only be used once and expires after 24h. If you want to make another purchase, just create a new card and keep on shopping.

Where can I use the One-time card?

Everywhere! Choose the ‘shopping’ tab in the Klarna app to use a One-time card at any online retailer. Just search for your favorite store in the search bar, create a Ghost card, and use your card when you’re ready to checkout.

How do I pay for the purchases made with the One-time card?

When you first create a One-time card, it will be connected to your personal debit or credit card. According to the payment option you chose when creating the One-time card a payment plan will be created. Each purchase follows its own payment schedule and payments are made according to the agreed payment plan. However, the first payment won’t be charged until you place an order and the store accepts it. You can view and pay your statements in the app or here.

Your One-time card will expire after 24 hours, or you can cancel the One-time card if it’s no longer needed. Once either of these actions occurs, we will cancel any payment plan you might have and remove any holds placed on your card immediately. Depending on your financial institution, it might take between 1 to 7 business days for this to reflect on your account. Learn more.

To cancel an unused One-time card and release the authorization hold just follow these steps:

• Login into the Klarna App
• Go to “My Klarna” and select “One-time cards” or “Purchases”
• Find your card or payment plan and select cancel card

Good to know: If you want to make another purchase, just create a new card and keep on shopping.

‘Pay in 4 installments’ is an alternative to traditional credit but without any interest, that allows you to split purchases into 4 payments. These payments will be automatically withdrawn from the debit/credit card you have on file with us every 2 weeks until the full order amount has been paid. In our app, you’ll also have the option to pay off a single installment or even the entire balance earlier if preferred. However, at this time it’s not possible to change the scheduled payment date to a later date.

If your order is eligible for ‘Pay in 4 installments’, you can select the option in the checkout and enter your debit or credit card information. As soon as the store ships your order, you will receive an email from Klarna outlining your payment schedule and we will charge your card for the first quarter amount. Your purchase and payments will then be visible and manageable in your Klarna App. So make sure to download the Klarna App to stay in full control and never miss a payment!

Good to know: There is no fee to use ‘Pay in 4 Installments’!

Find more information about your payment options with Klarna here.

There’s no sign up required! If your order is eligible to pay in 4 interest-free installments, the option will be presented at checkout, and there’s no need to enter extra information. Simply choose 4 interest-free installments as your payment method at checkout and enter your credit or debit card information. This is the card we’ll use for your scheduled automatic payments.

If we are unable to collect a biweekly payment on the scheduled day, we will try again. If the payment is unsuccessful when we retry, a late fee of up to $7.00 and the missed payment will be added to the next scheduled payment. To keep you in the loop, we’ll send you an email notification if your payment was unsuccessful. You also have the option to pay an installment early or pay the full amount. In the app, click on My Klarna–> Payments–> Select the order and click Payment Options.

Klarna currently accepts all major debit and credit cards (i.e. Mastercard, Visa, AMEX, Discover). Please note, prepaid cards are not accepted.

Klarna’s Financing Account is a credit option offered at the checkout of our partnering online stores that provides you with a revolving account and is similar to a traditional credit card, but without the physical card.

To use Klarna’s financing options, simply select to pay later with financing and choose your preferred payment plan. You’ll be informed of an annual interest rate upfront before you complete the transaction. To apply for the one-time credit agreement complete a simple, 4-step credit application with your personal information. You will know instantly if you are approved and can complete the order right away. The credit is issued by WebBank in partnership with Klarna and allows you to pay for your purchases over time.

As soon as the store ships your order, you will receive an email from Klarna outlining your payment schedule and your purchase will be added to your account balance. If you already have a Klarna credit account the order amount of any purchases you make with the Financing option will be added to your total balance, provided the new purchase does not take you over your available credit limit.

We’ll email you on the 2nd of every month to let you know that your monthly statement is ready. You can view your minimum payment anytime after your first statement has been emailed to you. Your payment will be due on the 26th of every month, and payments will need to be received by 8:00 p.m. Eastern Time to be credited to your account on that same day. At this time, we’re not able to change your due date. However, we’ll remind you of upcoming payments.

Your statements and payments will be visible and manageable in your Klarna App. So make sure to download the Klarna App to stay in full control and never miss a payment!

What payment plans can I choose from?

Flexible Month-to-Month: Flexible Month-to-Month purchases are standard purchases with no fixed-term commitment, similar to a traditional credit line. You decide what’s best for you; you simply need to make at least your minimum monthly payment. These are also sometimes called “standard purchases.”

Planned Payments: Planned Payments is a promotional offer that allows eligible orders to be purchased with a reduced APR. With planned payments, you will have a fixed monthly payment. The APR varies based on the currently available promotions.

Good to know: The Annual Percentage Rate (APR) for standard purchases is 19.99%. However, the APR may vary for special offers and promotional purchases. If you are charged interest, the charge will be no less than $2.00 per month. For more information, please view our terms and conditions.

No Interest If Paid In Full: No Interest If Paid In Full is a promotional offer in which interest is deferred during the promotional period. If the entire balance is paid before the expiration date, no interest will be charged. Keep in mind, you still need to make at least your minimum monthly payment. These are also sometimes called “deferred interest purchases.” To avoid paying interest on No Interest If Paid In Full purchases, pay your promotional balance in full before the expiration date. You can view the expiration date in the “Deferred Interest Calculation” section of your statement. You must also pay at least the minimum payment due each month to avoid paying late fees.

How is the minimum payment due calculated?

Your minimum payment due each month will be the greater of:

$25.00

OR

2% of the balance of the account (not including promotional orders and past due amounts)
+
Interest on the account (not including interest on promotional orders)
+
Late fees, NSF fees, minimum finance charges
+
Monthly Planned Payment amounts
+
Any past due amounts

Find more information about your payment options with Klarna here.

To ensure safe spending practices, each new purchase is evaluated by our system to determine approval. This takes into account many different factors including time of day, size of the purchase, how long you have been shopping with Klarna, and how many purchases that have been successfully paid back. Meaning, the longer you have been using Klarna, and the more orders you have successfully repaid according to your payment schedule. Restrictions are tighter for ‘new’ shoppers until we get to know you. Each time you use Klarna we are making a fresh decision, and over time you will be able to spend more.

If you chose to open a Financing Account and were approved, you will receive an email with your credit line. You can also view your current credit line on your monthly billing statement.

Good to know: The minimum spend for shopping with Klarna is $10.00.

Can I increase my credit line?

We automatically determine if you are eligible for a credit line increase when you shop with Klarna. You can try to make a purchase that is above your credit limit and if we are able to grant that increase it will be done at that time.
Currently, we cannot accept customer-initiated requests for credit line increases.

Klarna does not approve all orders for all our payment options and our aim is to support responsible, ethical, and sensible spending habits. Although our payment options are widely promoted they are not always universally available. We understand that it can be frustrating to not be able to choose the payment option you prefer. However, our approval process helps Klarna responsibly offer our services to our customers. Please understand that our Customer Service is not able to influence which payment options are available to you.

There are a number of factors, including address details, cardholder details, amount of order, the online store, previous order history, that are taken into consideration to determine which payment methods are offered. Some stores that offer Klarna don’t offer all payment options. Even if the store offers your preferred payment options with Klarna, it may not be available for all products and purchases. All at the time of your purchase available payment options will be presented at checkout.

Good to know: Each purchase is a new decision so in the future, your preferred payment option might be available to you again.

You can use Klarna at any US retailer via the Klarna app or visit our store directory to view brands where you can use Klarna directly on participating stores’ websites.

Once you are set up on the Klarna app you can connect your credit/debit card and you are ready to shop with us. Make sure to download the Klarna app here to shop at any of your favorite stores and pay later with Klarna.