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.

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.

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.

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.

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 payments, paid every 2 weeks. 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. 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 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.

Featured stores

Store categories

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.

Your questions regarding credit score.

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.