Paying later with Klarna.

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 1/4 until the full order amount has been paid. You will be informed ahead of time.

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. No interest or added fees. 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.

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.

Where to pay later.

Online shop directory

Find stores that let you pay later.

Shop anywhere in the app

Pay later at any store with our app.

Have a business and want to sell with Klarna?