Split the cost.
Pay in 4, interest-free.

Pay in 4 allows you to split your purchase into 4 interest-free payments, paid every 2 weeks.

1. Choose Klarna at checkout at partner stores.

2. The first payment will be taken from your credit card, debit card or bank account when your order is shipped.

3. The remaining three payments will be automatically charged every 2 weeks afterwards, with no interest or fees when you pay on time.

To be eligible to use the Klarna Shopping Service you must:

• 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.

Klarna is currently available nationwide, except for Hawaii, US Territories (excluding Puerto Rico), or for customers with APO/FPO/DPO addresses.

We’ll email you if your payment is unsuccessful. We’ll also try one more time to collect it. If we can’t collect it a second time, it will be added to your next payment along with a late fee of up to $7.00. The aggregate sum of your late fees will never exceed 25% of your order value at the time of purchase.

No. We will perform a soft credit check when you use Pay in 4. Soft credit checks do not affect your credit score and will not be visible to other lenders. Read more

Yes, Pay in 4 is interest-free when you pay on time. Your first payment is collected when your order is shipped and the next three are automatically charged every 2 weeks.