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
Spread the cost of your purchase over time
Why do shoppers choose to pay in 4?
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 charged at the time of purchase.
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.
Don't see the Klarna badge at checkout?
There are still ways to pay with Klarna anywhere.
Apple Pay
Pay over time on Apple Pay when shopping online or in app, on iPhone or iPad.
Klarna app
Use the Klarna app to shop and pay flexibly at any store.
Browser extension
Get the Klarna browser extension to start paying the flexible way anywhere you shop online, unlock extra features and instantly apply coupons to get the best deal.
Pay your way at your favorite brands
Look for Klarna at checkout, offered at thousands of brands.
Discover more ways to pay
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. 6-12 month options are available. ³
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. 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 when you pay on time.
To be eligible to use Klarna, you must:
Be a resident in Canada
Be at least 18
Have a valid card/bank account
Have a positive credit history
Be able to receive verification codes via text
Your Klarna account is already set up with automatic payment withdrawals to help you stay on top of your payments. If you miss a payment we send you a friendly reminder before the due date. If the payment is unsuccesful we send a statement with a delay fee included.
If you miss a payment by the end of the grace period, your account will be considered in default. This means that, in addition to any other actions we might take, a late fee could be applied based on your total order value.
Never miss a payment with the Klarna app
Manage your payments and get due date reminders on the go.
Download the app:
¹ APR 0%. No conditions apply. Term: 2 months. For more information, see klarna.com/ca/paylaterin4. A higher initial payment may be required for some consumers.
² Exclusions apply. Learn more at
³ APR ranges from 7.99%-29.99% based on term length, province, creditworthiness, and subject to credit approval, resulting in, for example, 6 equal monthly payments of $170.57 at 7.99% APR to $181.54 at 29.99% APR per $1000 borrowed. Minimum purchase required. A down payment may be required. Estimation of monthly payment excludes potential tax and shipping costs. Actual terms may vary depending on province, see sample terms for Quebec and for the rest of Canada.