Flexible payments on your terms
Buy now and pay later with Klarna's flexible payment options. Choose to pay in 4 interest-free payments, in full, in 30 days, or over time.
Payment options that fit your budget
With Klarna, you choose the payment plan that works best for you.
Pay in 4
Split your purchase into 4 interest-free payments, paid automatically every 2 weeks. Pay just 25% upfront.¹
Pay over time
Need more time to pay? Simply spread the cost over smaller monthly payments. 6, 12, 18, & 24 month options are available.²
Pay in full today
Pay for what you love right away. Fast and secure, with stored cards and buyer protection.³
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.⁴
Estimate your payments
Choose the total amount for a purchase, and see how the costs break down with different payment options.²
Your purchase
$3,000
1 payment every 2 weeks
4 interest-free payments
$750.00
Total cost: $3,000.00
6 monthly payments
Total Interest at 19.99% APR: $177.33
$529.56
Total cost: $3,177.33
12 monthly payments
Total Interest at 19.99% APR: $334.67
$277.89
Total cost: $3,334.67
This is an estimate of what your payments could look like, and for illustrative purposes only and does not constitute a credit offer. Actual costs may vary depending on your credit application and terms.
How much can you spend with Klarna?
Log into your Klarna account to see your estimated purchase power under your profile, or check in the app at any time. Get the flexibility you need to shop responsibly.
Purchase power is an estimate of how much you can spend. Subject to approval at the point of purchase and dependent on factors such as purchase history, payment history, and purchase amount.
Pay later at thousands of brands with Klarna
Enjoy flexible payments and a smooth checkout with the brands you love.
Don't see the Klarna badge at checkout?
You've still got lots of ways to pay with Klarna at your favorite stores.
Apple Pay
Pay over time on Apple Pay when shopping online or in app, on iPhone or iPad.⁵
One-time card
Split your payments anywhere Visa is accepted with a one-time card.⁶
Klarna Card
Shop anywhere Visa is accepted and choose how you pay.⁷
Klarna app
Use the Klarna app to shop and pay flexibly at any store, plus earn cashback from your favorite merchants.⁸
Shoppers love Klarna
93+ million people love to shop and pay with Klarna anywhere—rated 4+ on Trustpilot.
love it!!
The application itself is very easy to navigate and access. I love how literally any retail company is in this app. Whenever I have inquiries I message the chat support and someone helps me out asap!! I use this this app religiously.
Diana
I am very much pleased with Klarna
I am very much pleased with Klarna. I’ve used it to make a couple purchases and the process was easy both times. The app is easy to navigate and make payments. I will definitely use Klarna again in the near future
JS
Klarna is my favorite go to pay in…
Klarna is my favorite go to pay in installments app. They have a variety of stores that we all love shopping on . As well as paying in store is super easy. They never disappoint, Klarna is my 1st recommendation.
KadijahLove
Customer reviews reflect their personal experience and opinion.
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 resident of the United States or its territories
Be at least 18
Have a valid bank card/bank account
Have a positive credit history
Be able to receive verification codes via text
Buy now, pay later (BNPL) lets you shop today and pay in installments, or pay in 30 days. With services like Klarna, you can split your purchase into manageable payments. It's a flexible way to shop while spreading out the cost and paying over time.
With Klarna's buy now, pay later flexible payment options, you can shop today and pay later in easy installments at thousands of your favorite stores. Before completing your purchase on the Klarna app or online at your favorite store, you’ll have the flexibility to choose your payment schedule through the Klarna app or website.
Pay in full, Pay in 30 days, and Pay in 4 options are interest-free 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 orders, due dates, and amounts, so you can stay on top of your payments.
¹See 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. NMLS #1353190.
²Rate ranges from 7.99%-33.99% APR based based on creditworthiness and subject to credit approval, resulting in, for example, 12 equal monthly payments of $86.98 at 7.99% APR to $99.46 at 33.99% APR per $1,000 borrowed. Minimum purchase required. A down payment may be required. Estimation of monthly payment excludes potential tax and shipping costs. Monthly financing through Klarna issued by WebBank.
³Exclusions apply. Learn more.
⁴CA resident loans made or arranged pursuant to a California Financing Law license. NMLS # 1353190.
⁵Paying 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.
⁶One time card bi weekly payments with a service fee to shop anywhere issued by WebBank.
⁷The Klarna Card is issued by WebBank pursuant to a license from Visa U.S.A.
⁸Earn 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, terms and conditions apply.