Pay in 4
Split the cost.
Pay in 4, interest-free.
Get what you love at no extra cost. See where you can pay in 4.¹
Why do shoppers choose to pay in 4?
Pay in 4 lets you split your purchase into 4 interest-free payments.
Split the cost of your purchase.
No fees when you pay on time.
Payments are collected automatically every 2 weeks.
Get more control over your cash flow.
How Pay in 4 works
Choose Klarna at checkout
Click on the pink badge and pay with Klarna at your favorite stores.
Make your first payment
Choose Pay in 4, and your first payment will be collected when your order is shipped.
No fees when you pay on time
The next three payments are automatically charged every 14 days. We’ll keep you on track with reminders and updates.
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.²
Apple Pay
Pay over time on Apple Pay when shopping online or in-store.³
Klarna Credit Card
Get Klarna on a Visa card and choose how you pay for any purchase. Sign up in 60 seconds and start using it today.⁴
Klarna app
Use the Klarna app to shop and pay flexibly at any store, plus earn cashback from your favorite merchants.⁵
Pay your way at your favorite brands
Look for Klarna at checkout, offered at thousands of brands.
Discover more ways to pay
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.
Pay in full today
Pay for what you love right away. Fast and secure, with stored cards and buyer protection.⁶
Pay over time
Need more time to pay? Simply spread the cost over smaller monthly payments. 6-24 month options are available.⁷
Frequently asked questions
Questions on how to use Pay in 4? Find your answers below. For any further help or trouble-shooting, please contact customer service.
Pay in 4 allows you to split your purchase into 4 interest-free payments, paid every 2 weeks.
Choose Klarna at checkout at partner stores.
The first payment will be taken from your credit card, debit card or bank account when your order is shipped.
The remaining three payments will be automatically charged every 2 weeks afterwards, with no interest or fees when you pay on time.
To be eligible to use the Klarna Shopping Service you must:
Be a resident of the United States or its territories
Be at least eighteen years old or of legal age in your state of residence.
Have a valid card/bank account.
Have full legal capacity to enter into a contract.
Accurately provide your true and correct personal details.
Be able to receive security verification codes via text message.
Good to know:
A valid Social Security Number (SSN) and a linked card or bank account may be required to use certain Klarna products, such as Pay in 4 and other credit-based payment options, as well as our banking products. Read our
for more information.
Klarna is currently available nationwide, except for Hawaii, US Territories (excluding Puerto Rico), or for customers with APO/FPO/DPO addresses.
We’ll email you if your payment is unsuccessful. We’ll also try one more time to collect it. If we can’t collect it a second time, it will be added to your next payment along with a late fee of up to $7.00. The aggregate sum of your late fees will never exceed 25% of your order value at the time of purchase.
No. We will perform a soft credit check when you use Pay in 4. Soft credit checks do not affect your credit score and will not be visible to other lenders. Read more
Yes, Pay in 4 is interest-free when you pay on time. Your first payment is collected when your order is shipped and the next three are automatically charged every 2 weeks.
How Pay in 4 works
Never miss a payment with the Klarna app
Manage your payments and get due date reminders on the go.
Download the app:
¹ CA resident loans made or arranged pursuant to a California Financing Law license. NMLS # 1353190.
² Anywhere Visa is accepted. Certain merchant, product, goods and service restrictions apply. Some merchants do not accept virtual cards. Physical card only included with a paid Klarna Membership Plan.
Deposits in your balance account are held at WebBank, Member FDIC. Klarna is not an FDIC-insured bank and deposit insurance only covers the failure of WebBank. Your deposits in the balance account are eligible for pass-through deposit insurance coverage if certain conditions are satisfied. Funds may be made available to you before WebBank receives them (“early availability funds”); such early availability funds may not be FDIC insured until received by WebBank. Loans that you obtain using the Klarna Card are not insured by the FDIC and are not deposits.
³ Apple Pay: 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 https://support.apple.com/120477. 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.
⁴ Klarna Credit Card: The Klarna Credit Card is issued by WebBank pursuant to a license from Visa U.S.A. Convert any purchase to Pay in 4 issued by Klarna Inc. CA Resident Loans made or arranged pursuant to a California Financing Law license. NMLS #1353190. *28.99% APR applies to all moved or split transactions.
⁵ Earn cashback on Klarna App purchases. Klarna balance account required and funds can only be used within Klarna. Cashback issuance depends on store approval and may be affected by cookie settings, combining offers, product exclusions, or other factors beyond our control. Klarna may get a commission. Limitations,
.⁶ Exclusions apply. Learn more at
⁷ Pay over time: Monthly financing through Klarna issued by WebBank.