The all-in-one shopping app.

When you pay in 4, we run a soft credit check. It doesn’t affect your credit score.

When you pay in 4, we slice your purchase into 4 equal payments. We collect the first payment when your order ships. The remaining 3 payments are collected every 2 weeks. You spread the cost over 6 weeks, with no interest or fees if you pay on time.

With the Klarna app, you can pay in 4 anywhere that Visa is accepted:

1. Search for a store in the Klarna app.
2. When you know what you want, tap Pay with Klarna.
3. We’ll create a secure, one-time card that lets you pay in 4 anywhere.
4. Just enter the card details at checkout, and you’re done!

There’s never any interest if you pay in 4. We always remind you when a payment is due so you don’t forget. If you do miss a payment, you might be charged a late fee of no more than $7.