Flexible ways to pay
Buy now and pay later with Klarna's flexible payment options. Choose to pay in 3 interest-free instalments or the full amount.
Payments that suit your budget
Explore fair, transparent, and convenient payment options.
Pay in 3
Split your purchase and spread the cost in 3 interest-free instalments, paid every 30 days.¹
Pay in full today
Pay for what you love right away. Fast and secure, with stored cards and buyer protection.³
Pay your way at your favourite brands
Look for Klarna at checkout, offered at hundreds 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, plus earn cashback from your favorite merchants.²
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.
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 Ireland
Be at least 18
Have a valid card/bank account
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 instalments. 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 and Pay in 3 options are interest-free. If you miss a payment, 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 service. 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.
¹ Please shop responsibly. 18+ ROI residents only. Credit subject to status. APR 0%. Missed payments may incur a fee and affect your ability to use Klarna in the future. T&Cs apply.
² Exclusions apply.
.³ Earn cashback on Klarna App purchases.
account required to receive cashback. Cashback issuance depends on store approval and may be affected by cookie settings, combining offers, product exclusions, or other factors beyond our control. Limitations, apply.