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.
Split the cost of your purchase
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.
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.
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 of New Zealand
Be at least 18
Have a valid card/bank account
Be able to receive verification codes via text
If we are unable to collect the payment on the scheduled date, we will try again. If that payment attempt also fails, the missed payment will be added to the amount of the next scheduled payment.
Please note, missed payments may incur fees and unpaid debts may be sent to debt collection.
Need a few extra days to pay?
You can extend your next payment date once per order:
Go to Purchases
Select the order you would like to pay later
Tap Payment options and then tap Extend due date
If you are struggling to make a payment or experiencing unexpected
, contact us - we are here to help.Never miss a payment with the Klarna app
Manage your payments and get due date reminders on the go.
Download the app: