Pay in 4.

Split your purchase into 4 interest-free payments, when you choose Klarna at checkout.

More time to pay. Anytime you need.

Budget your way.

Spread out your shopping and take charge of your spending.

Big rewards. 4 small payments.

Get what you love today and earn rewards every time you shop.

No interest. Ever.

And, no fees when you pay on time.

How Pay in 4 works.

Make 1 interest-free payment, every 2 weeks, when you choose Klarna at checkout.

Choose Klarna.

Pay with Klarna at checkout when shopping at your favorite stores.

Split the cost.

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

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.

Get financial breathing room.

Pay in 4 and take charge of your budget.

No interest. Ever.
No impact on your credit.
No fees when you pay on time.