Financing
Boost sales with customer Financing
Offer your customers flexible financing. You always get paid upfront and in full and customers get a new level of buying freedom.
The world’s top brands are using Klarna Financing to increase their sales
Klarna Financing gives your customers the flexibility to buy now and spread the cost with monthly payments. Your customers will get increased purchasing power, which means more sales and better conversions for your business.
60%
increase in average order value with Klarna Financing.
20%
increase in checkout conversions when shoppers choose Klarna financing.
How Financing works
On each product page, shoppers see both the full price of an item and the minimum monthly cost to use Klarna Financing.
1. At checkout
Your customer selects Financing and completes a simple application with top-of-mind details. They will receive an instant decision with an offer personalized to fit their needs.
2. On shipment
Your customer easily makes their monthly payments to Klarna online or in our app. As always with Klarna, you get paid upfront and in full.
3. Post-purchase
Your shopper gets a clear overview of their purchases in the Klarna app and can easily manage their orders or set up automatic payments.
Effortless integration
Getting up and running with Klarna is easy. We can quickly integrate with your existing technology platforms and payment partners. Need a custom solution? We can do that, too.
Details about Financing
Let’s get down to the nitty-gritty. All you need to know is right here.
Service
Market availability | US, UK, DE, AT, SE, NO, FI |
Show/hide function | Included |
Payment period starts | When order is shipped |
Number of payments | 3+ payments |
Time between payments | 1 month |
Consumer APR | From 0-33.99% APR |
Payments made | Manually paid online or in app |
Zero-fraud liability | Included |
Klarna seller protection | Included |
Integration
Direct integration via | Javascript and RestAPI |
Auto updates | Included |
Dev resources |
Partnership
Max payment delay | 3 business days after order is shipped |
Standard term of agreement | 24 months |
E-commerce platforms |
What else?
We have more solutions and payment methods that might interest you. Read more about how and where you can sell with Klarna.
Pay in 4 Installments
4 interest-free payments
Give shoppers the freedom to spread the cost interest-free over time. You get paid immediately and shoppers get a flexible plan.
Pay in 30 days
Offer an extra 30 days to pay
Let your customers try before they buy by offering an extra 30 days to complete their payment. No fees.
Pay in full
Offer to pay in full today
Give shoppers the flexibility to pay instantly by card.