Financing
Get even more time to pay
Break up the cost of your purchase into smaller monthly payments. See where you can pay with Financing.
Financing plans range from 6-12 months with interest rates ranging from 7.99%-29.99% APR.¹
Manage large payments over time
Why do shoppers choose Financing with Klarna?
Break up a bigger purchase into smaller payments over 6-12 months.
Pay off the full amount any time without penalty.¹
How Financing works
Choose Klarna at checkout
Click on the pink badge and pay with Klarna at your favorite stores.
Choose Financing
Choose Financing and spread the cost over 6-12 months with interest rates starting at 7.99% APR.¹
Complete your purchase
You'll receive an email from us with your payment plan when the store ships your order, and manage it all in the app.
Pay your way at your favorite brands
Look for Klarna at checkout, offered at thousands of brands.
Discover more ways to pay
Pay in 4
Split your purchase into 4 payments, paid automatically every 2 weeks.²
Pay in full today
Pay for what you love right away. Fast and secure, with stored cards and buyer protection.³
Frequently asked questions
Questions on how to use Financing? Find your answers below. For any further help or trouble-shooting, please contact customer support.
Paying over time allows you to spread the cost of your purchase for up to 12 months. Here’s how:
Select the Financing option in the checkout
Choose your preferred timeline and interest rate from the available options
Follow the steps to complete the application
Get an instant decision
Complete your purchase
You’ll receive an email from us with your payment plan when the store ships your order.
A down payment may be required
Please note: A credit check will be performed when you apply for our Financing option.
Good to know:
Read our
Check specific details about Financing in Quebec in the .
To be eligible to use Klarna you must:
Be a resident of Canada
Be at least 18
Have a valid bank card/bank account
Have a positive credit history
Be able to receive verification codes via text
Your financing account is already set up with automatic payment withdrawals to help you stay on top of your payments. 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 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.
That depends on your agreement.
Your first payment will be due one month after the merchant ships your order, and then monthly thereafter on the same date each month. (Some orders may require a downpayment)
You can always find your payment plan and upcoming payments in your Klarna app.
Never miss a payment with the Klarna app
Manage your payments and get due date reminders on the go.
Download the app:
¹ 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.² APR 0%. No conditions apply. Term: 2 months. For more information, see
A higher initial payment may be required for some consumers.³ Exclusions apply.
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