Buy now, pay later.

Anywhere online, only with the Klarna app.

Shop now, pay later.

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.

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 Vibe, our free rewards club, and get rewarded for all your shopping. Choose the rewards you love. Sign up and get your $5 welcome reward today.

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.

Instalments

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.

Legal terms
Pay in 30 days with Klarna

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.

Legal terms
Financing checkout

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.

Legal terms

Smoooth online shopping.

With Klarna, every store is a buy now pay later store. Turn any purchase into smaller payments.

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.

Have a business and want to sell with Klarna?