Flexible ways to pay
Buy now and pay later with Klarna's flexible payment options. Choose to pay in 4 interest-free payments, pay the full amount, in 30 days or over time.
Flexible payments that suit your budget
Pay in 4
Split your purchase into 4 interest-free payments, paid automatically every 2 weeks.¹
Pay over time
Spread the cost over 3–24 months. Best for bigger purchases like travel, tech or home. Interest may apply.²
Pay in full
Every Klarna transaction comes with buyer protection on eligible purchases and advanced fraud prevention.³
Pay in 30 days
Shop now and pay 30 days after your order ships. No interest and no fees when you pay on time.⁴
Payment calculator
With our monthly payment calculator you can set the total amount for a purchase, and see how the costs break down with different payment options.²
Your purchase
$3,000
1 payment every 2 weeks
4 interest-free payments
6 monthly payments
Total interest at 19.99% APR: $177.33
12 monthly payments
Total interest at 19.99% APR: $334.67
This is an estimate of what your payments could look like, and for illustrative purposes only and does not constitute a credit offer. Actual costs may vary depending on your credit application and terms.
What is buy now, pay later?
Buy now pay later, also known as BNPL, is a way to pay for your purchases over time instead of all at once. At checkout, you choose a payment plan that works for your budget.
Split your purchase into 4 interest-free payments, Pay in 30 days or spread the cost over 3 to 24 months. No hidden fees — you'll always know what you owe before you commit. Manage payments, track due dates, and get reminders in the Klarna app.
How much can you spend with Klarna?
Log into your Klarna account to see your estimated purchase power under your profile, or check in the app at any time. Get the flexibility you need to shop responsibly.
Purchase power is an estimate of how much you can spend. Subject to approval at the point of purchase and dependent on factors such as purchase history, payment history, and purchase amount.
Pay your way at your favorite brands
Look for Klarna at checkout, offered at thousands of brands.
Frequently asked questions
Questions on Klarna payment options? Find your answers below. For any further help or troubleshooting, please contact customer support.
Klarna is a flexible payment service that offers ways to buy now and pay later. Simply select Klarna at checkout when it’s available and we’ll quickly verify your details to complete the order. You can track and manage all payments in the Klarna app, with reminders to help you stay on schedule.
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 / Be able to receive verification codes via text. Note: A valid SSN and linked account may be required for certain products such as Pay in 4.
Flexible payments allow customers to select the method and timing of their payments for purchases. They include options like "Buy Now, Pay Later" (BNPL), enabling you to buy items immediately and pay in interest-free installments, to pay off the balance in 30 days, or to spread costs over an extended period. Services such as Klarna facilitate these flexible payments, allowing the option to either make manageable smaller payments or to pay the full amount upfront, depending on your convenience and budget.
Pay in full, Pay in 30 days, and Pay in 4 options are interest-free when you pay on time. If you choose Pay over time or miss a payment, interest or fees may apply. Check the terms of your payment plan to understand what costs you could incur for missing a payment. Use our payment calculator to estimate the cost.
In some cases, you may be able to reschedule your Klarna payment. This can be done through the app or by contacting Klarna customer support. Options may depend on your payment plan and account status.
You can use Klarna’s buy now, pay later options anywhere you shop. Choose Klarna at checkout when it’s available, or pay with Klarna using the app, Klarna Card, Apple Pay, or Google Pay. Availability and eligibility may vary depending on the purchase.
You can view your payment schedule anytime through the Klarna app or website. Your account shows upcoming payments, due dates, and amounts, so you can stay on top of your payments.
Klarna evaluates your ability to pay by assessing available data to ensure responsible lending.
When a credit check is performed, we verify your identity using the details you provided and we look at information from your credit report to understand your financial behavior and evaluate your creditworthiness.
We will not perform a credit check when:
Signing up to use Klarna
Downloading the app
We will perform a soft credit check when you:
Use Pay in 4
Use Pay in 30 days
Use Pay over time
Apply for a Klarna Card
Soft credit checks do not affect your credit score and will not be visible to other lenders.
Good to know:
If you make late payments or fail to pay, this could have a negative impact on your creditworthiness and prevent you from using our payment methods. Read more about how these credit checks impact your credit score.
Using the prequalification feature will not affect your credit score in any way, whatever the outcome.
Our third party credit checks are performed by Transunion. If you have questions regarding their services, your credit score, or the data provided as part of a credit check we advise you to reach out to them directly.
These checks are performed in accordance with Klarna’s Terms & Conditions.
The highest security standards are used to protect your data and personal information.
All payment information is processed securely
No details are transferred to or held by the store
All transactions take place via secured connections following strict security protocols
You can remove your linked bank account or card at any time
If you want to know more about the way we handle your personal information, please read our Privacy Policy.
See our Cookie Policy for information about how we use cookies and your ability to choose how to use them.