Flexible ways to pay
Buy now and pay later with Klarna's flexible payment options. Choose to pay in 4 interest-free payments, pay the full amount, in 30 days or over time.
Payments that suit your budget
Choose from a range of fair, transparent, and convenient payment plans.
Pay in 4
Split your purchase into 4 interest-free payments, paid automatically every 2 weeks.¹
Pay over time
Need more time to pay? Simply spread the cost over smaller monthly payments. 6-24 month options are available.²
Pay in full today
Pay for what you love right away. Fast and secure, with stored cards and buyer protection.³
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.⁴
Estimate your payments
Choose the total amount for a purchase, and see how the costs break down with different payment options.²
Your purchase
$3,000
1 payment every 2 weeks
4 interest-free payments
$750.00
Total cost: $3,000.00
6 monthly payments
Total Interest at 19.99% APR: $177.33
$529.56
Total cost: $3,177.33
12 monthly payments
Total Interest at 19.99% APR: $334.67
$277.89
Total cost: $3,334.67
This is an estimate of what your payments could look like, and for illustrative purposes only and does not constitute a credit offer. Actual costs may vary depending on your credit application and terms.
How much can you spend with Klarna?
Log into your Klarna account to see your estimated purchase power under your profile, or check in the app at any time. Get the flexibility you need to shop responsibly.
Purchase power is an estimate of how much you can spend. Subject to approval at the point of purchase and dependent on factors such as purchase history, payment history, and purchase amount.
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.
Apple Pay
Pay over time on Apple Pay when shopping online or in app, on iPhone or iPad.⁵
One-time card
Split your payments anywhere Visa is accepted with a one-time card.⁶
Klarna Credit Card
Shop anywhere Visa is accepted and choose how you pay.⁷
Klarna app
Use the Klarna app to shop and pay flexibly at any store, plus earn cashback from your favorite merchants.⁸
Shoppers love Klarna
100+ million people love to shop and pay with Klarna anywhere.
"Love the convenience and auto payments to repay back quickly."
Rosa - 10th of June 2025
"Super convenient and easy!! Haven’t had any issues getting approved, set-up or making payments. Would recommend"
JC - 6th of June 2025
"I love the convenience and ease of Klarna, never any hassles along with being able to pay sooner if I need to as well!"
Traci - 23rd of June 2025
“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 of February 2025
" Klarna is my favorite go to pay in installments app. They have a variety of stores that we all love shopping on . As well as paying in store is super easy. They never disappoint, Klarna is my 1st recommendation. "
KadijahLove - 8th of February 2024
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 the Klarna Shopping Service you must:
Be a resident of the United States or its territories
Be at least eighteen years old or of legal age in your state of residence.
Have a valid card/bank account.
Have full legal capacity to enter into a contract.
Accurately provide your true and correct personal details.
Be able to receive security verification codes via text message.
Good to know:
A valid Social Security Number (SSN) and a linked card or bank account may be required to use certain Klarna products, such as Pay in 4 and other credit-based payment options, as well as our banking products. Read our
for more information.
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, to pay off the balance in 30 days, or to spread costs over an extended period. 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 4 options are interest-free when you pay on time. If you choose Pay over time or miss a payment, interest or 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.
¹ See payment terms. A higher initial payment may be required for some consumers. CA resident loans made or arranged pursuant to a California Financing Law license. NMLS #1353190.
² A $1,000 purchase might cost $173.53 per month over 6 months at 13.99% APR. Rate ranges from 0.00%-35.99% APR based on creditworthiness, term length, and subject to credit approval, resulting in, for example, 3 equal monthly payments of $333.33 at 0.00% APR to $353.52 at 35.99% APR per $1,000 borrowed. Minimum purchase amount and down payment may be required. Estimation of monthly payment excludes potential tax and shipping costs. Monthly financing through Klarna issued by WebBank.
³ Exclusions apply. Learn more.
⁴ CA resident loans made or arranged pursuant to a California Financing Law license. NMLS # 1353190.
⁵ 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 https://support.apple.com/120477. 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.
⁶ One time card bi weekly payments with a service fee to shop anywhere issued by WebBank.
⁷ The Klarna Credit Card is issued by WebBank pursuant to a license from Visa U.S.A.
⁸ Earn cashback on Klarna App purchases. Klarna balance account required and funds can only be used within Klarna. Cashback issuance depends on store approval and may be affected by cookie settings, combining offers, product exclusions, or other factors beyond our control. Klarna may get a commission. Limitations, terms and conditions apply.