Buy now, pay later.
Anywhere online, only with the Klarna app. Get it free on your phone:
Klarna is the smooothest & safest way to get what you want today, and pay over time. No catch. Just Klarna.
So, how does Klarna work?
We partner with retailers all over the world to make it easy to pay how you like right from checkout. Or, you can use our app and enjoy flexible payment options anywhere online.
Pay later with our shopping app.
Download our free app and get shopping tips tailored to you, exclusive deals and the freedom to shop anywhere and pay how you prefer.
Pay later shopping.
Millions of people have discovered the benefits of online shopping with Klarna payment plans. Try before you buy, or pay over time. No matter what you need, we've got a flexible option to fit your budget.
Pay in 4.
Split the cost of your purchase into 4 interest-free payments, paid every 2 weeks. No interest. No catch. Just more time to pay for the things you love.
Pay in 30 days.
Start enjoying what you’ve ordered right away. Make payments online or in the Klarna app after trying the product IRL. No interest and only pay for what you keep.
6–36 month financing.
Our transparent credit options offered in partnership with WebBank, member FDIC, give you flexible financing you need to seamlessly shop larger purchases.
Smoooth online shopping.
With Klarna, every store is a buy now pay later store. Turn any purchase into smaller payments.
Klarna app
Pay later at any store.
Elevate your shopping game anywhere online.
Shop your favorite brands and get rewards for shopping with Vibe.
Access the latest deals and track price drops.
Manage all your payments, report returns and get help if you need it.
Your questions regarding credit score.
Why Klarna?
No interest. No catch.
Buy now, pay later is an alternative to credit and gives you the flexibility to shop what you want, when you want, without breaking the bank. When you split the cost of your purchase into 4 smaller payments with Klarna, you’ll never pay any interest. Ever.
Online shopping freedom.
Paying after delivery allows you to try before you buy and is the easiest way to shop online. Complete the payment 30 days after purchase at no added cost. Report returns directly in our app and only pay for the items that you keep.
Full transparency.
With an instant credit decision, you can complete your purchase directly with full transparency. It’s the simplest one-time sign-up process you’ve ever used. Get a full overview of your payments online or in our app.