Pay in 3
Split the cost.
Pay in 3, interest-free.
Get what you love at no extra cost. See where you can pay in 3.
Klarna's Pay in 3 is an unregulated credit agreement. 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.
Split the cost of your purchase
Why do shoppers choose to pay in 3?
No fees when you pay on time.
Instalments are collected automatically every 30 days.
Get more control over your cash flow.
How Pay in 3 works
Choose Klarna at checkout
Click on the pink badge and pay with Klarna at your favourite stores.
Pay your first instalment upfront
Choose Pay in 3, and your first payment will be charged at the time of purchase.
No fees when you pay on time
The next two instalments are automatically charged every 30 days. We’ll keep you on track with reminders and updates in the Klarna app.
Don't see the Klarna badge at checkout?
There are still ways to pay with Klarna anywhere.
Apple Pay
Pay over time on Apple Pay when shopping online or in app, on iPhone or iPad.¹
Klarna Card
Shop anywhere Visa is accepted and choose how you pay.²
Klarna app
Use the Klarna app to shop and pay flexibly at any shop, plus manage your payments and get reminders.
¹ Paying over time on Apple Pay: Loans not offered by Apple. Subject to eligibility requirements and approval. Not available in all markets, and may not be available for all types of purchases, such as subscriptions and recurring transactions. Available with Apple Pay online and in app, on iPhone and iPad. Not available in-store. Software requirements apply. Additional terms may apply. For more eligibility and feature details, see
. Apple Pay is a service provided by Apple Payments Services LLC, a subsidiary of Apple Inc. Neither Apple Inc. nor Apple Payments Services LLC is a bank. Any card used in Apple Pay is offered by the card issuer.² Klarna Card is a regulated credit product. Borrowing more than you can afford, or paying late, may make it harder to get credit. 18+, UK residents only. Subject to status. T&Cs and late fees apply. Representative APR 0.0% (variable).
Pay your way at your favourite brands
Look for Klarna at checkout, offered at thousands of brands.
Discover more ways to pay
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.³
Pay in full today
Pay for what you love right away. Fast and secure, with stored cards and buyer protection.⁴
Financing
Need more time to pay? Simply spread the cost over smaller monthly payments. 6-24 month options are available.³
³ Klarna’s Pay in 3/Pay in 30 days are unregulated credit agreements. Klarna Financing is regulated by the FCA. 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.
⁴ Exclusions apply.
.Frequently asked questions
Questions on how to use Pay in 3? Find your answers below. For any further help or trouble-shooting, please contact customer service.
Pay in 3 allows you to split your purchase into 3 interest-free instalments, paid every 30 days. Just choose Klarna at checkout at partner stores. The first instalment will be taken from your credit card, debit card or bank account when your order is shipped. The remaining 2 instalments will be automatically charged every 30 days afterwards, with no interest or fees if you pay on time.
Your Klarna 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. We won’t charge you a late fee if you have less than £1 left to pay.
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
Never miss a payment with the Klarna app
Manage your payments and get due date reminders on the go.
Download the app: