hero smoooth hands mobile

Pay in 4.

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

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.

Mobile Slider Card1

Get the app.

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

Mobile Slider Card2

Set your budget.

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

Mobile Slider Card3

Check out.

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

Mobile Slider Card4

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 fees when you pay on time.

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 when you pay on time.
  • No-hassle installation.

Monthly financing through Klarna is issued by WebBank, member FDIC. Copyright © 2005-2023 Klarna Inc. NMLS #1353190, 629 N. High Street, Third Floor, Columbus, OH 43215. Other CA resident loans made or arranged pursuant to a California Financing Law license.