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Shop. Pay.

The Klarna Way.

Join 150 million customers in choosing flexible payments, lightning-fast checkout and safe shopping - available at 20,000+ partner stores.

T&Cs apply.

Klarna is the smooothest & safest way to get what you want today, and pay over time.

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.

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Pay later with our shopping app.

Download our app and get shopping tips tailored to you, exclusive deals and the freedom to shop anywhere and pay how you prefer.

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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.

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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 how you like anywhere. Now on your computer.

The Klarna app just got a new best friend, Klarna for Chrome. It's our new extension so you can split your purchase, directly from your desktop.

  • No-hassle installation.

  • Manage all your payments in the Klarna app.

Flexible payments anywhere with the Klarna app.

Shop at your favorite brands and stores.

Klarna App

Klarna app

Shop anywhere online with the Klarna app.

Enjoy the flexibility to pay however you like. Pay over time with the One-time card to make easy bi-weekly payments with a service fee.

  • 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.

Download the Klarna app to get started.

Your questions regarding credit score.

When you use Klarna to split your purchase into 4 interest-free payments, we run a soft credit check. It won’t affect your score, it just helps us confirm that you pay your bills on time.

There are two kinds of credit checks—hard and soft. Soft credit checks, the kind we’ll run for Pay in 4, have no impact on your score because they are not reported to the credit bureaus.

If you’re interested in one of our financing options, a hard credit check might be required. This will be reported to the credit bureaus and will show up as an inquiry on your credit report. Monthly financing through a Klarna credit account is issued by WebBank, member FDIC.

Keep up with Klarna.

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Monthly financing through Klarna and One-time card bi-weekly payments with a service fee to shop anywhere in the Klarna App issued by WebBank. Other CA resident loans at select merchants made or arranged pursuant to a California Financing Law license. Copyright © 2005-2023 Klarna Inc. NMLS #1353190, 800 N. High Street Columbus, OH 43215. VT Consumers: For WebBank Loan Products (One-Time Cards in the Klarna App, Financing, Klarna Card): THIS IS A LOAN SOLICITATION ONLY. KLARNA INC. IS NOT THE LENDER. INFORMATION RECEIVED WILL BE SHARED WITH ONE OR MORE THIRD PARTIES IN CONNECTION WITH YOUR LOAN INQUIRY. THE LENDER MAY NOT BE SUBJECT TO ALL VERMONT LENDING LAWS. THE LENDER MAY BE SUBJECT TO FEDERAL LENDING LAWS.