Shop and pay 
the Klarna way
Shop and pay 
the Klarna way

Shop and pay the Klarna way

Join over 150 million customers and choose flexible and secure payments, with lightning-fast checkout at top stores globally.

Get the free Klarna app on your phone:

Pay securely with Klarna

Pay your way

Buy now and pay later–choose how much you want to pay and when, every time you shop.

Easy checkout

Breeze through checkout at your favorite brands and stores when you pay with Klarna.

Hassle-free returns

Not quite right? Report returns with a tap and only pay for what you keep.

Ways to pay

With Klarna, you choose exactly how much you want to pay and when. There's a flexible payment option that works with your budget.

Klarna Pay now

Pay now

Pay for what you love right away. Your preferred payment method is pre-selected for a fast and secure payment.

Klarna pay in 4

Pay in 4

Split your purchase into 4 interest-free payments, paid automatically every 2 weeks.

Klarna Pay in 30

Pay in 30 days

Get it now. Pay later. Shop first and pay up to 30 days after placing your order. No upfront payments, no interest.

Klarna Financing

Pay over time

Get more time to pay for what you love, spread the cost over smaller monthly payments.


Klarna goes wherever you go

Sign up now to shop with Klarna—via our app, browser extension, or in-store with the Klarna Card.

How does Klarna work?

Find what you love and pay your way. With Klarna, you’re in control of how you want to pay every time you shop.

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Choose Klarna at checkout

Click on the pink badge and pay with Klarna at your favorite stores.

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Choose your payment option

You can Pay now, Pay in 4 interest-free payments, Pay in 30 days, or Pay over time.

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Manage everything in one place

Make any remaining payments in the app. We’ll keep you on track with reminders and updates.

Stop guessing, compare prices

Search for any product on Klarna, and compare prices to shop with confidence.


Klarna Money Manager

Stay on top of your budget

Set a personal limit on your Klarna spending to help you stay within your budget. See what you have, what you’ve spent, and what you’ve saved–so nothing gets past you.

Shopping, hacked

Klarna makes it easier than ever to save on the stuff you love–so you know you’re always getting the best deal.

In-store shopping

Use the Klarna app to buy now and pay later in physical stores—and keep track of your payments.

Loyalty cards

Easily store all your loyalty cards in the app and access them in seconds.

Klarna Plus

Say goodbye to service fees, double up on reward points, and unlock exclusive deals every month.

Discover what else we do



Learn more about our conscious shopping tools and read our tips on how to extend the life of your items.

Klarna card


Take Klarna's ways to pay everywhere Visa is accepted. Pay online, abroad, in real life—manage your purchases in the Klarna app.

Your questions regarding credit score

When you use Klarna for your purchase we run a soft credit check, it won’t affect your score.

Klarna may perform a soft credit check, which does not affect your credit score and will not be visible to other lenders when:

  • Signing up to use Klarna

  • Downloading the

We will perform a soft credit check when you are:

Klarna and our bank partners do not always perform a credit check on you, nevertheless, as responsible lenders, we want to make sure we’re helping our customers make the right financial decisions for their circumstances. When a credit check is performed, we verify your identity using the details you provided and we look at information from your credit report to understand your financial behavior and evaluate your creditworthiness.

Read more about


Our third party credit checks are performed by

. If you have questions regarding their services, your credit score, or the data provided as part of a credit check we advise you to reach out to them directly.

These checks are performed in accordance with


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 © 2005-2024 Klarna Inc. NMLS #1353190, 800 N. High Street Columbus, OH 43215. VT Consumers: For WebBank Loan Products (One-Time Cards, 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.