We are currently experiencing higher call volumes than usual. We apologize for the longer waiting time for customer support. The answers to our most commonly asked questions can be found below, thank you for your patience.

Why was the first installment of my payment plan higher?

If Pay in 4 equal payments is not available, you may be offered an alternative Pay in 4 payment option with a higher first installment, instead of 4 equal payments.

This can happen because the order amount exceeded your purchase power, however, other credit factors are also assessed.

Purchase power is the estimated amount available to spend using Klarna’s pay later products. Your spending limit and any outstanding balances are factored into the purchase power amount.

Good to know: Our Customer Service is not able to increase your spending limit nor has further information about the automated assessment.

What’s next?

  • If you would prefer a payment plan of 4 equal payments always ensure the total order amount is within your purchase power
  • If the order amount exceeds either your spending limit, or the estimated purchase power, and you are offered an adjusted payment plan with a higher first installment amount – accept the offer in the checkout

Was this article helpful?

Yes, it was helpful
No, I still need help

Still need help? Contact us.

We’re available 24/7.

or Call us

Monthly financing through Klarna is issued by WebBank, member FDIC. Copyright © 2005-2022 Klarna Inc. NMLS #1353190, 629 N. High Street, Third Floor, Columbus, OH 43215. Other CA resident loans made or arranged pursuant to a California Finance Lenders Law license.