Get even more
time to pay
Break up the cost of your purchase into smaller monthly payments. See where you can pay over time.
Financing plans range from 3-24 months with interest rates ranging from 0.00%-35.99% APR¹
Why do shoppers choose to pay over time with Klarna?
Flexible terms: Split the cost over 3-24 months with a fixed monthly amount.
Full transparency: View your total repayment schedule upfront, with no hidden fees.
Instant decisions: Get approved for a payment plan in a few seconds.
Pay it off early: Settle the full amount anytime, at no extra cost.
Pay your way at your favorite brands
Frequently asked questions
Questions on how to use Pay over time? Find your answers here. For any further help or troubleshooting, please contact customer service.
Klarna's Pay over time lets you shop and pay in monthly installments. You can spread the cost of your purchase for up to 24 months. Here's how:
Select the Pay over time option in the checkout
Choose your preferred timeline from the available options
Follow the steps to complete the application
Get an instant decision
Complete your purchase
You’ll receive an email from us with your installment plan when the store ships your order.
Please note: A credit check will be performed when you apply for our Pay over time option.
To be eligible to use Klarna:
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.
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.
That depends on your agreement.
Your first payment will be due one month after your order was processed, and then monthly thereafter on the same date each month (Some orders require a down payment).
You can always find your payment plan and upcoming payments in your Klarna app.
Good to know:
Our Pay over time and products are issued by WebBank in partnership with Klarna.
The Annual Percentage Rate (APR) for purchases is between 0.00%-35.99%.
Read our terms and conditions for more detailed information about Pay over time.