Pay yourway withKlarna
Pay in full
Pay upfront in full with a fast, secure checkout.
Pay in 4
Split your purchase into 4 interest-free payments.¹
Pay in 30 days
Pay in up to 30 days.¹
Financing
Spread the cost over smaller monthly payments.²
Pay with
Shop securely and choose the payment option that fits you at checkout.
4.8/5 in the App Store
Use Klarna anywhere you shop
In the Klarna app
Stay on top of your spending, shop anywhere with Klarna and earn cashback.³
Get the app
Why use Klarna
Enjoy secure shopping, lightning-fast checkout, and flexible payment options that suit your budget.
Flexible payments
Pay over time with Klarna's flexible payment options, giving you more control over your budget.¹
No fees if you pay on time
Shop with confidence knowing there are no surprise fees or charges when you use Klarna.²
Smooth checkout
Enjoy a quick, seamless checkout process that makes shopping faster and easier.
Security and buyer protection
Shop safely with Klarna’s robust security features and buyer protection, ensuring peace of mind with every transaction.⁶
Cashback & deals
Earn cashback, shop all of your favorite stores and stay on top of your spending.³
Shoppers love Klarna
85+ million people love to shop and pay with Klarna—rated 4.1 out of 5 on Trustpilot, with over 361,200 reviews.
“I love Klarna! So handy to pay for something in 4 payments with no interest. Also if you do need you can extend the payment date which is helpful at times. I would definitely recommend 👌”
Catherine
“I am very much pleased with Klarna. I’ve used it to make a couple purchases and the process was easy both times. The app is easy to navigate and make payments. I will definitely use Klarna again in the near future.“
JS
“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
¹See 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.
²A $1000 purchase might cost $181,04 per month over 6 months at 28.99% APR.* *Rate ranges from 7.99%-33.99% APR based on creditworthiness and subject to credit approval, resulting in, for example, 12 equal monthly payments of $86.98 at 7.99% APR to $99.46 at 33.99% APR per $1000 borrowed. Minimum purchase required. A down payment may be required. Estimation of monthly payment excludes potential tax and shipping costs. Monthly financing through Klarna issued by WebBank.
³Earn 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.
⁴Paying 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 here.
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.
⁵The Klarna Card is issued by WebBank pursuant to a license from Visa U.S.A. Convert any purchase to Pay in 4 issued by Klarna Inc. CA Resident Loans made or arranged pursuant to a California Financing Law license. NMLS #1353190. *28.99% APR applies to all moved or split transactions.
⁶Exclusions apply.