For shoppers
For business
Main menu
Pay in 4 with no interest hero image desktop

Pay in 4.

Split your purchase into 4 interest-free payments, online and in-store.

Get the free Klarna app on your phone:

More time to pay. Anytime you need.

Budget your way.

Spread out your shopping and take charge of your spending.

Better than credit.

Pay in 4 never affects your credit score, just offers more flexibility.

No interest. Ever.

And, no fees when you pay on time.

How Pay in 4 works.

Make 1 interest-free payment, every 2 weeks. Get the Klarna app to use Pay in 4 online and in-store.

Klarna app showing featured stores and recently viewed

Get the app.

If you want to Pay in 4 online or in-store, it all starts with the Klarna app.

Creating a one-time card in the app

Set your budget.

Create a one-time card with the amount you want to spend. Your personal details and wallet will be protected, always.

Choosing pay in 4 at checkout

Check out.

Choose Pay in 4, and pay just 25% upfront.

Payment reminders in the app

Pay every 2 weeks.

We’ll keep you on track with reminders in the app.

Get financial breathing room.

Pay in 4 and take charge of your budget.

  • No interest. Ever.
  • No impact on your credit.
  • No hidden fees.

Pay in 4 anywhere. Now from your computer.

The Klarna app just got a new best friend, Klarna for Chrome. It's our new extension that lets you Pay in 4 anywhere, directly from desktop. You can still manage all your payments from the app.

  • Pay in 4 at any online store.
  • No interests. No fees.
  • No-hassle installation.