Flexible ways to pay
Buy now and pay later with Klarna's flexible payment options. Choose to pay in 3 interest-free instalments, pay the full amount, in 30 days or with financing.
Klarna’s Pay in 3/Pay in 30 days are unregulated credit agreements. Klarna Financing is regulated by the FCA. Borrowing more than you can afford or paying late may negatively impact your financial status and ability to obtain credit. 18+, UK residents only. Subject to status. Ts&Cs and late fees apply.
Payments that suit your budget
Choose from a range of fair, transparent, and convenient payment plans.
Pay in 3
Split your purchase and spread the cost in 3 interest-free instalments, paid every 30 days.¹
Pay in 30 days
Shop now and get the flexibility to pay up to 30 days later, with no late fees or interest when you pay on time. Pay only for what you keep.¹
Pay in full today
Pay for what you love right away. Fast and secure, with stored cards and buyer protection.²
Financing
Need more time to pay? Simply spread the cost over smaller monthly payments. 6-24 month options are available.¹
¹ Klarna’s Pay in 3/Pay in 30 days are unregulated credit agreements. Klarna Financing is regulated by the FCA. Borrowing more than you can afford or paying late may negatively impact your financial status and ability to obtain credit. 18+, UK residents only. Subject to status. Ts&Cs and late fees apply.
² Exclusions apply.
.Pay your way at your favourite brands
Look for Klarna at checkout, offered at thousands of brands.
Don't see the Klarna badge at checkout?
You can still pay with Klarna anywhere in the following ways.
Apple Pay
Pay over time on Apple Pay when shopping online or in app, on iPhone or iPad.⁴
Klarna Card
Shop anywhere Visa is accepted and choose how you pay.⁵
Klarna app
Use the Klarna app to shop and pay flexibly at any shop, plus manage your payments and get reminders.
⁴ Paying over time on Apple Pay: Loans not offered by Apple. Subject to eligibility requirements and approval. Not available in all markets, and may not be available for all types of purchases, such as subscriptions and recurring transactions. Available with Apple Pay online and in app, on iPhone and iPad. Not available in-store. Software requirements apply. Additional terms may apply. For more eligibility and feature details, see
. Apple Pay is a service provided by Apple Payments Services LLC, a subsidiary of Apple Inc. Neither Apple Inc. nor Apple Payments Services LLC is a bank. Any card used in Apple Pay is offered by the card issuer.⁵ Klarna Card is a regulated credit product. Borrowing more than you can afford, or paying late, may make it harder to get credit. 18+, UK residents only. Subject to status. T&Cs and late fees apply. Representative APR 0.0% (variable).
Never miss a payment with the Klarna app
Manage your payments and get due date reminders on the go.
Download the app:
Frequently asked questions
Here are some frequently asked questions about Klarna.
To be eligible to use Klarna you must:
Be a UK resident
Be at least 18
Have a valid card/bank account
Be able to receive verification codes via text
Flexible payments allow customers to select the method and timing of their payments for purchases. They include options like "Buy Now, Pay Later" (BNPL), enabling you to buy items immediately and pay in interest-free instalments, to pay off the balance in 30 days, or to spread costs over an extended period. Services such as Klarna facilitate these flexible payments, allowing the option to either make manageable smaller payments or to pay the full amount upfront, depending on your convenience and budget.
Pay in full, Pay in 30 days, and Pay in 3 options are interest-free. There are no late fees when you pay on time. If you choose financing or miss a payment, interest or fees may apply. Check the terms of your payment plan to understand what costs you could incur for missing a payment.
In some cases, you may be able to reschedule your payment. This can be done through the Klarna app or by contacting Klarna customer support. Options may depend on your payment plan and account status.
You can view your payment schedule anytime through the Klarna app or website. Your account shows upcoming payments, due dates, and amounts, so you can stay on top of your payments.