A smarter way to shop and pay
Join our global community of 85 million active users and over 550,000 retailers. Enjoy secure shopping, lightning-fast checkout, and pay the flexible way.
Shop smart, pay your way
Pick how you pay
Choose a flexible payment option that works with your budget and spending habits.
Shop securely
Get extra peace of mind with Klarna's buyer protection, and pause payments when reporting problems or returns.*
Checkout with confidence
Pay with Klarna and breeze through checkout when you shop your favourite brands or stores.
*Exclusions apply. Learn more at https://www.klarna.com/nz/buyers-protection/.
How does Klarna work?
Find what you love and get more time to pay in your favourite online stores.
Choose Klarna at checkout
Click on the pink badge and pay with Klarna at your favourite stores.
Choose your payment option
You can pay in 4 payments with no interest.
Manage everything in one place
Make any remaining payments in the app. We’ll keep you on track with reminders and updates.
Ways to pay with Klarna
Pay in 4 payments with no interest
Shop and buy now, pay later, splitting the cost into 4 payments with no interest, automatically paid every 2 weeks.
Get started in seconds
Sign up now to enjoy all the ways to use Klarna: shop through our app, the browser extension, or in-store with the single-use virtual card.
Shop your favourite brands, online and in-store
Discover where you can shop flexibly and securely with Klarna.
Klarna App
All in one app
Shop what you love, manage your payments, and track your orders—all in the Klarna app.
Your shopping, but better
It's now easier than ever to save on the stuff you love—let Klarna help you find a great deal.
Make smarter choices
Find out about our conscious shopping tools, and get tips on extending the life of your favourite items.
Meet your shopping companion
Add the Klarna extension to your browser to shop and pay with Klarna at your favourite stores. We'll apply the best coupons at checkout.
Do it all in one app
Shop what you love, manage your payments, and track your orders—all in the Klarna app.
Shoppers love Klarna
Join 85+ million people who love to shop and pay with Klarna—rated great 4.2 out of 5 on Trustpilot, with over 300,000 reviews. Here's what they have to say.
Love it!!
"The application itself is very easy to navigate and access. I love how literally any retail company is in this app. Whenever I have inquiries I message the chat support and someone helps me out asap!! I use this app religiously."
- Diana
I am very much pleased with Klarna
"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 an easy and convenient process
"Klarna is convenient and easy process. Allowing you to spread the cost with ease."
- Tonya
Experience a smarter way to shop
Get the free Klarna App on your phone: