Flexible ways to pay
Buy now and pay later with Klarna's flexible payment options. Choose to pay immidietely, in 30 days, or in 3 interest-free installments.
Payments that suit your budget
Choose from a range of fair, transparent, and convenient payment plans.
Pay in full today
Pay for what you love right away. Fast and secure, with stored cards and buyer protection.¹
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.
Pay in 3
Split your purchase and spread the cost in 3 interest-free installments, paid every 30 days.
Pay your way at your favorite brands
Look for Klarna at checkout, offered at thousands of brands.
Don't see the Klarna badge at checkout?
You can still pay with Klarna anywhere in the following ways.
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.
Shoppers love Klarna
100+ million people love to shop and pay with Klarna anywhere.
“Klarna is a awesome app. Very convenient and easy to use. Their payment plans are excellent and help make the purchases you want without the pressure of paying in full or added interest.“
Katy - 13th February 2025
“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.“
JC - 6th of June 2025
“I absolutely love the freedom and simplicity of this app, so easy to keep track of every transaction and it makes you feel safe and protected. Brilliant app and I would recommend Klarna time and time again.”
Martin - 15th of February 2025
“I find Klarna is excellent. I am able to make payments over time that suits my current budget. If there has been any problem, for example a return or refund required, Klarna have sorted this efficiently. Easy to manage on my phone with the app. Delighted with the service.”
Penelope - 13th of February 2025
"I would recommend Klarna any day, any time. It’s by far the best money app ever made. It’s flexible and easy to use, good financing with tailor made customer support. Use it and you will thank me later"
Solomon - 4th of June 2025
Customer reviews reflect their personal experience and opinion. Showing our 5-star reviews.
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 Switzerland
Be at least 18
Have a valid bank card/bank account
Have a positive credit history
Be able to receive verification codes via text
Flexible payments allow customers to select the method and timing of their payments for purchases. They include options like "Buy Now, Pay Later" (BNPL), enabling you to buy items immediately and pay in interest-free installments or to pay off the balance in 30 days. Services such as Klarna facilitate these flexible payments, allowing the option to either make manageable smaller payments or to pay the full amount upfront, depending on your convenience and budget.
Pay in full, Pay in 30 days, and Pay in 3 options are interest-free. There are no late fees when you pay on time. If you miss a payment, late 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.