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.
Manage large payments over time
Why do shoppers choose Financing with Klarna?
Break up a bigger purchase into smaller payments over 6-24 months.¹
Pay off the full amount any time without penalty.
¹ Klarna Financing is regulated by the FCA. Financing 0% and <12m are not regulated by the FCA. Borrowing more than you can afford or paying late may negatively impact your financial status and ability to obtain credit. Credit subject to status. 18+, UK residents only. A downpayment of 10% or higher may be required. Klarna Financing has a representative 21.9% APR (fixed). Representative example: 21.9% APR representative based on a loan amount of £1200 repayable over 6 months at an interest rate of 21.9% p.a. (Fixed). 5 monthly payments of £211.81 and last payment of £210.37. Total amount payable of £1,269.42. Total charge for credit £69.42. Minimum and maximum purchase amount £250 - £10,000. Lender: Klarna Financial Services UK Limited (nr 14290857). T&Cs and late fees apply.
How Financing works
Choose Klarna at checkout
Click on the pink badge and pay with Klarna at your favourite stores.
Choose Financing
Choose Financing and spread the cost over 6-24 months with an APR of 21.9%.
Complete your purchase
You'll receive an email with your payment plan when the store ships your order. From there, you can manage your payments in the app.
Pay your way at your favourite brands
Look for Klarna at checkout, offered at thousands of brands.
Discover more ways to pay
Pay in 3
Split your purchase and spread the cost in 3 interest-free instalments, paid every 30 days.²
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.²
Pay in full today
Pay for what you love right away. Fast and secure, with stored cards and buyer protection.³
² Klarna's Pay in 3/Pay in 30 days are unregulated credit agreements. Borrowing more than you can afford or paying late may negatively impact your financial status and ability to obtain credit. 18+, UK residents only. Subject to status. Ts&Cs and late fees apply.
³ Exclusions apply.
.Frequently asked questions
Questions on how to use Financing? Find your answers below. For any further help or trouble-shooting, please contact customer service.
Paying over time allows you to spread the cost of your purchase for up to 24 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.
Please note: A hard credit check will be performed when you apply for our Financing option.
To be eligible to use Klarna you must:
Be a UK resident
Be at least 18
Have a valid card/bank account
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.
A late fee will be added to your balance if we have not been able to collect your payment up to 14 days after an instalment is due. Prior to this, we will send friendly reminders via SMS, push notification, and email. You will only be charged a maximum of one late fee per unpaid instalment. Interest will only be applied to the original instalment amount.
That depends on your agreement.
Your first payment will be due one month after the merchant ships the goods, and then monthly thereafter on the same date each month (some orders may require a down payment).
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: