What is Klarna
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A smarter way to shop and pay
Choose how you pay, safely and securely at your favourite stores.
Shop smart, pay your way
Shop securely
Shop with peace of mind knowing that Klarna’s buyer and fraud protection has you covered. *
Hassle-free returns
Not quite right? Report returns with a tap and only pay for what you keep.
Delivery tracking
Get live tracking updates for all your deliveries—from store to door.
* Exclusions apply. Learn more at https://www.klarna.com/uk/buyer-protection-description/.
Klarna: what you need to know
Klarna helps you make smarter spending choices. From handy payment tools to credit checks, here's what you need to know.
How does Klarna work?
Find what you love and pay your way. With Klarna, you’re in control of how you want to pay every time you shop.
Choose Klarna at checkout
Click on the pink badge and pay with Klarna at your favourite stores.
Choose your payment option
You can Pay now, Pay in 3 interest-free payments or Pay in 30 days.*
Manage everything in one place
Make any remaining payments in the app. We’ll keep you on track with reminders and updates.
* Klarna's Pay in 3/Pay in 30 days are unregulated credit agreements. 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. klarna.com/uk/terms-and-conditions.
Ways to pay with Klarna
Find great deals in the app, shop what you love, and choose a flexible payment option that works for you.
Pay now
Pay for what you love right away. Your preferred payment method is pre-selected for a fast and secure payment.
Pay in 3
Spread the cost into 3 interest-free instalments, paid automatically every 30 days.*
Pay in 30 days
Shop now. Pay in up to 30 days with Klarna.*
*Klarna's Pay in 3/Pay in 30 days are unregulated credit agreements. 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. klarna.com/uk/terms-and-conditions.
Get started in seconds
Sign up now to shop with Klarna – via our app, browser extension, or in-store with the Klarna Card. *
* 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).
Shop your favorite brands, online and in-store
Discover where you can shop flexibly and securely with Klarna.
Klarna Money Manager
Stay within budget
Set a personal limit on your Klarna spending to stay within budget. See what you have, what you’ve spent, and what you've saved—so nothing gets past you.
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.
Shop in-store
Use the Klarna app to shop now and pay later in physical stores—and keep track of your payments.
Meet your shopping companion
Add the Klarna extension to your browser to shop and pay with Klarna everywhere. 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 150+ million people who love to shop and pay with Klarna—rated 4/5 on Trustpilot, with over 290,000 reviews. Here's what they have to say.
Klarna support team is very useful
"No interest on payments, able to pay over 3 months or in 30 days, allows me to buy bday and xmas presents and so much more when I can’t afford to pay it all outright. Klarna support team is very useful too with extending payments if needed. The best way to buy things."
- Ellie
Easiest and safest pay in 3 options
"Love the app so easy to use, can track orders, view payments due and change details for payments. Easy to apply and fast response."
- Ann
Excellent Experience
"Excellent experience and it’s allowed me to pay with zero interest rate. Really help me to organise my budget."
- Ismail
Klarna is an easy and convenient process
"Klarna is convenient and easy process. Allowing you to spread the cost with ease."
- Tonya
Choose your language and region
Klarna is available around the world with a variable offering, choose one that suits you best.
Copyright © 2005-2024 Klarna. Klarna Financial Services UK Ltd is authorised and regulated by the Financial Conduct Authority (“FCA”) for carrying out regulated consumer credit activities (firm reference number 987889), and for the provision of payment services under the Payment Services Regulations 2017 (firm reference number 987816). Klarna Financial Services UK Ltd offers both regulated and unregulated products. Klarna’s Pay in 3 instalments and Pay in 30 days agreements are not regulated by the FCA. Incorporated in England (company number 14290857), with its registered office at 10 York Road, London, SE1 7ND.