How it works

Get more time to pay.

Online and in-store, right from 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?

Shop at your favorite stores—in our app, at your local mall, or anywhere online—then, checkout with Klarna. From finding what you love, to paying over time, we make every step smoooth.

us app

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.

Get listed with your shop in the Klarna app

Your new source of inspiration.

Discover thousands of buy now pay later sites already using Klarna. From your next pair of shoes to your new phone, check out our store directory to get started.

Vibe, Klarna rewards club.

Unlock rewards from world-class brands.

Join our rewards club for free and earn points on all your shopping, excluding Klarna Card purchases. Sign up and unlock your $5 welcome reward today.

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.

Monthly financing.

Our transparent credit options offered in partnership with WebBank, member FDIC, give you flexible financing you need to seamlessly shop larger purchases.

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.

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.

Keep up with Klarna.

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