What happens if I can’t pay on time?

Sometimes you might need more time to pay – we completely understand!
Depending on the payment method you’ve chosen when making the purchase, you might have the option to change the due date of your statement and pay later. Just log in to the app or click here and select the statement you would like to pay later and see if the option is available for that purchase. If not, then it is not possible to change the date for that statement.

Good to know: Only with our ‘Pay in 30 days’ can you change a scheduled payment date. For all other payment options it is not possible to change the payment date. If you have a Financing Account, you are able to make a payment for your statement any time between the 2nd and 26th of the month to cover the minimum due and extra payments can be made any time.

What happens if I pay later and will I be charged for paying late?

If we are unable to collect a payment on the scheduled day, we will try again. If the payment is unsuccessful after a second attempt, a late fee of up to $7.00 will be added to your outstanding balance if you paid with ‘Pay in 4 installments’. Missed payments will be added to the total of the next scheduled payment. To keep you in the loop, we’ll send you an email notification if your payment was unsuccessful. Please keep in mind if payments get unpaid, you might be blocked from using our payment options in the future.

For Financing Account
If the minimum payment due is not made by the due date each month, you can be charged up to $35.00 per missed month. The amount of your late fee will not exceed your minimum payment due.

What happens if I don’t pay off my No Interest If Paid In Full promotion before it expires?

If you are part of a ‘No Interest If Paid In Full’ promotion, and you miss a payment, you will be charged the interest that accumulated since the transaction posting date at 19.99% APR. The amount of interest that has been accruing is tracked on the first page of your Klarna monthly statement. If you are late with your payment make sure to pay off the balance in full by the expiration date to avoid interest charges.

Note: If you’re going through hardships and need help to plan your future payments, please do not hesitate to contact our customer service team here . Let’s find a solution together.

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