Pay in 4 with Klarna
Pay in 4 with Klarna.

Pay in 4

Split the cost, pay in 4, interest-free

Get what you love today, and spread the cost into 4 interest-free payments. Just shop at partner stores and choose Klarna at checkout.

(US) Pay in 4

More time to pay

  • Get financial breathing room. Spread out your shopping and take charge of your spending.

  • Easily manage your orders and payments in the app.

  • No interest or fees when you shop at partner stores and pay on time.

How Pay in 4 works

Make 1 interest-free payment, every 2 weeks, when you choose Klarna at checkout at partner stores. Plus, manage your purchases in the Klarna app.

(US) Pay in 4 / Content Grid-Feature- How Pay in 4 works/ Choose Klarna

Choose Klarna.

Pay with Klarna at checkout at your favorite stores.

(US) Pay in 4 / Content Grid-Feature- How Pay in 4 works / Split the cost

Split the cost.

Choose Pay in 4, and pay just 25% upfront*.

(US) Pay in 4 / Content Grid-Feature- How Pay in 4 works / Manage your purchases.

Manage your purchases.

We’ll keep you on track with reminders and updates in the app.

*See payment terms. A higher initial payment may be required for some consumers. CA resident loans made or arranged pursuant to a California Financing Law license.


Pay with Klarna at your favorite stores

  • Thousands of stores. Shop for what you love and pay with Klarna.

  • Price drops and in-stock alerts. Never miss out on the things you want.

Don’t miss out, join Klarna now


Rated stars in the app store.


App users worldwide.


Retailers are using Klarna.


Questions on how to use Pay in 4 and how to get going? 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. Just 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 if you pay on time.

To be eligible to use Klarna, you must:

  • Be a resident of the United States or its territories

  • Be at least 18

  • Have a valid card/bank account

  • Have a positive credit history

  • Be able to receive verification codes via text

Klarna is currently available nationwide, except for New Mexico and 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.

More time to pay, anytime you need

Use Pay in 4 to spread the cost and take charge of your shopping.

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.