Pay in 4.

Split any purchase into 4 interest-free payments.

Pay in 4 with no interest

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.

Choose Pay in 4 whenever you check out. Or, get the Klarna app to split any online purchase into 4 interest-free payments.

Klarna app showing featured stores and recently viewed

Shop from the app.

Pay in 4 at any store. Get exclusive deals. Earn rewards.

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.