Paying later with Klarna.
How Klarna works.
Choose one of our payment options when shopping at your favorite retailers. Split the purchase into manageable installments or pay for your order up to 30 days later.
Interest-free installments.
Spread the cost of your purchase into 4 interest-free installments that are charged from your card every 2 weeks.
At the retailer’s checkout
Select the option to pay later in 4 interest-free installments and enter your debit or credit card information. It’s as simple as when making any other card purchase.
When the order is shipped
After the retailer confirms that the order is on its way we will charge your card for the first quarter amount. We’ll send you a notification once the payment has been processed.
Every 2 weeks
Every other week we will automatically charge your card one installment until the full order amount has been paid. You will be informed ahead of time.
No interest.
It’s not too good to be true. We partner with trusted retailers to give you the best payment alternatives.
A new way to pay. An alternative to credit to help ease cost barriers.*
4 installments gives you the flexibility to shop without added interest.*
*CA residents: Loans made or arranged pursuant to a California Finance Lenders Law license.
Get rewards for shopping.
Join our rewards club Vibe and get rewards for shopping, no matter the store. Sign up now and get your $10 welcome reward today.
Joining Vibe doesn’t cost a dime.
Earn vibes when shopping with Klarna.
Unlock rewards from world-class brands.
Pay in 30 days.
Make your purchase today and start enjoying what you’ve ordered right away. Make payments online or in our app after having seen and tried the product IRL. Without interest or any upfront fee. Ever.
At the retailer’s checkout
Choose to Pay in 30 days and enter simple top-of-mind information. No need for credit card numbers or complex information to complete the order.
When the order is shipped
Your 30-day payment period starts when the order is shipped. This means that you can take the time to try your order before buying it without the stress of upfront payment.
Making the payment
You can easily make your payment online or in our app. Once you’ve connected your bank account, debit or credit card, the checkout process is as simple as a single tap.
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.*
*CA residents: Loans made or arranged pursuant to a California Finance Lenders Law license.
6–36 month financing.
This easy and transparent credit option provides you with a revolving account that allows you to shop seamlessly with merchants that accept Klarna.
At the retailer’s checkout
Select to pay later with financing and choose your preferred payment plan. You’ll be informed of an annual interest rate upfront before you complete the transaction.
One-time credit agreement
Complete a simple, 4-step credit application with top-of-mind information. You will know instantly if you are approved and can complete the order right away.
The monthly payments
You will make the monthly payment online or in our app using bank transfer or card payments. We will notify when it’s time to make the payment each month.
As simple as any other payment.
With the instant credit decision, you can complete the purchase directly with full transparency.
The simplest one-time sign-up process you’ve ever used.*
Get a full overview online or in our app of your payments.*
*Monthly financing through Klarna is issued by WebBank, member FDIC.