Pay in 30 days
Get it first. Pay 30 days later.
Shop now and pay in 30 days from when your order ships. No upfront payments, no interest, and no fees when paid on time.¹
Why do shoppers choose to pay in 30 days?
With Klarna's Pay in 30 days, you have 30 days from when your order ships to pay, giving you more control over your spending.
Shop first with the flexibility to pay later.
Only pay for what you decide to keep.
No fees when you pay on time.
How Pay in 30 days works
Choose Klarna at checkout
At checkout, select Klarna's Pay in 30 option. Klarna will cover the purchase so you can get your items without any upfront cost.
Pay 30 days later
Once your order ships, your 30-day payment window begins. We'll keep you on track with reminders.
Manage everything in one place
Pay only for the items you choose to keep. Complete your payment online or in the app, to avoid any late fees.
Pay your way at your favorite brands
Look for Klarna at checkout, offered at thousands of brands.
Discover more ways to pay
Pay in 4
Split your purchase into 4 interest-free payments, paid automatically every 2 weeks.¹
Pay in full today
Pay for what you love right away. Fast and secure, with stored cards and buyer protection.²
Pay over time
Need more time to pay? Simply spread the cost over smaller monthly payments. 6-24 month options are available.³
Frequently asked questions
Questions on how to use Pay in 30 days? Find your answers below. For any further help or troubleshooting, please contact customer service.
Klarna's Pay in 30 days allows you to buy now and pay later with no down payment. Your 30-day payment window begins when the merchant ships your order, no interest or fees if you pay on time. In the app, you'll have the option to pay off the balance earlier or extend the due date to a later date, 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 payment due date. Your purchase and payment will then be visible to manage in the app.
Klarna may perform a soft credit check when you use Pay in 30 days to assess your eligibility.
We may perform a soft credit check when you use Pay in 30 days. Soft credit checks do not affect your credit score and will not be visible to other lenders. Borrowing more than you can afford or
paying late may negatively impact your financial status and ability to obtain credit, including with Klarna. Read more here.
Klarna currently accepts debit and credit cards as a form of payment when checking out with Pay in 30 days.
To be eligible to use Klarna:
Be a resident of the United States or its territories
Be at least eighteen years old or of legal age in your state of residence.
Have a valid card/bank account.
Have full legal capacity to enter into a contract.
Accurately provide your true and correct personal details.
Be able to receive security verification codes via text message.
Good to know:
A valid Social Security Number (SSN) and a linked card or bank account may be required to use certain Klarna products, such as Pay in 4 and other credit-based payment options, as well as our banking products. Read our terms and conditions for more information.
Never miss a payment with the Klarna app
Manage your payments and get due date reminders on the go.
Download the app: