Payment methods
Flexible ways to pay
Buy now and pay later with Klarna's flexible payment options. Choose to 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.
Pay later or right away
Choose from a range of fair, transparent, and convenient payment plans that suit your budget.
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 if it charges interest or lasts over 12 months. It is not regulated if it’s 0% interest and 12 months or less. Borrowing more than you can afford or paying late may negatively impact your financial status and ability to obtain credit. 18+, UK residents only. Klarna’s Regulated Financing has a representative APR of 21.9% (fixed).
² Exclusions apply.
.Pay your way at your favourite brands
Look for Klarna at checkout, offered at thousands of brands.
Pay later anywhere with Klarna
Don't see the Klarna badge at checkout? You can still pay with Klarna anywhere in the following ways.
Klarna Card
Sign up for the Klarna Card and pay the flexible way, anywhere Visa is accepted—online or in-store.³
Apple Pay
Pay over time on Apple Pay when shopping online or in-store.⁴
Klarna app
Use the Klarna app to shop now and pay later at any store, plus earn cashback from your favorite merchants.⁵
³ A paid Klarna Membership is required for a physical card. Klarna Membership offered for a monthly fee. Cancel any time in the Klarna app. Exclusions, conditions, and limitations apply to membership benefits like Klarna Membership cashback.
apply.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 Earn cashback on Klarna App purchases. Klarna balance account required to receive cashback. Cashback issuance depends on store approval and may be affected by cookie settings, combining offers, product exclusions, or other factors beyond our control. Limitations, terms, and conditions apply.
Shoppers love Klarna
111 + million people love to shop and pay with Klarna anywhere.
"Fabulous way to spread the cost of shopping. very straight forward to use"
Paul - 10th of June 2025
"I would recommend Klarna any day, any time. It’s by far the best money app ever made. It’s flexible and easy to use, good financing with tailor made customer support. Use it and you will thank me later"
Solomon - 4th of June 2025
"Klarna are brilliant! Very helpful when I had to send a product back to ebay. Very reassuring and easy to manage payment plan offered.. Also refunded promptly. Very satisfied customer."
Donna - 1st of June 2025
"Excellent customer service. I was so pleased with their efficiency in dealing with my issue."
Kelle S - 3rd of June 2025
" I absolutely love the freedom and simplicity of this app, so easy to keep track of every transaction and it makes you feel safe and protected. Brilliant app and I would recommend Klarna time and time again. "
Martin - 15th of February 2025
Customer reviews reflect their personal experience and opinion. Showing our 5-star reviews.
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
Questions on Klarna payment options? Find your answers below. For any further help or trouble-shooting, please contact customer support.
Klarna is a flexible payment service that offers ways to shop now and pay later. Simply select Klarna at checkout when it’s available and we’ll quickly verify your details to complete the order. You can track and manage all payments in the Klarna app, with reminders to help you stay on schedule.
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
or website. Your account shows orders, due dates, and amounts, so you can stay on top of your payments.Klarna performs a credit check and evaluates your ability to pay by assessing available data to ensure responsible lending.
As a responsible lender, we want to ensure we’re helping you make the right financial decisions for your 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 behaviour and evaluate your creditworthiness.
We will not perform a credit check when:
Signing up to use Klarna
Downloading the
We will perform a soft credit check when you:
Use
Use
Use
Apply for a
Soft credit checks do not affect your credit score and will not be visible to other lenders.
Our credit checks are performed by the credit reference agencies
& . If you have questions regarding their services, your credit score, or the data provided as part of a credit check, contact the credit reference agencies directly. Credit checks are performed in accordance with Klarna’s .How using Klarna will affect your credit score
Borrowing more than you can afford or
may negatively impact your financial status and ability to obtain credit, including with Klarna. Information such as payment holidays and existing, late and unpaid balances is visible on your credit file to other lenders. Making repayments on time consistently will help build a positive history when using our payment options.Good to know: Mortgage lenders could possibly include your monthly Buy Now Pay Later commitments as part of their affordability checks.
The highest security standards are used to protect your data and personal information.
All payment information is processed securely
No details are transferred to or held by the store
All transactions take place via secured connections following strict security protocols
You can remove your linked bank account or card at any time
If you want to know more about the way we handle your personal information, please read our
.See our
for information about how we use cookies and your ability to choose how to use them.