KLARNA Financing

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Option 1 Split the cost - Pay in 4, interest-free.

Pay in 4¹ lets you buy now and pay later by splitting your purchase into 4 interest-free payments, offering a simple and flexible way to manage your spending.

Why do shoppers choose to pay in 4?

Pay in 4 lets you split your purchase into 4 interest-free payments.

• Split the cost of your purchase.
• No fees when you pay on time.
• Payments are collected automatically every 2 weeks.
• Get more control over your cash flow.

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 is collected when your order is shipped. 

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. 

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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.

Why do shoppers choose to pay over time with Klarna?

• Break up a bigger purchase into smaller payments.
• Choose your preferred timeline between 6-12 months.
• Get an instant approval decision at checkout.
• Pay off the full amount any time without penalty.

Choose Klarna at checkout

Click on the pink badge and pay with Klarna at your favorite stores. 

 Choose Financing

Choose Financing and spread the cost over 6-12 months with interest rates ranging from 7.99%-34.90% APR.¹ .

Complete your purchase

You'll receive an email from us with your payment plan when the store ships your order, and manage it all in the app.