Pay in 4
Split the cost.
Pay in 4, interest-free.
Get what you love at no extra cost.
See where you can Pay in 4.¹
Split the cost of your purchase
Why do shoppers choose to Pay in 4?
No fees when you pay on time.
Payments are collected automatically every 2 weeks.
Get more control over your cash flow.
How Pay in 4 works
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 pay just 25% upfront at the time of purchase. ¹
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.
Don't see the Klarna badge at checkout?
There are still ways to pay with Klarna anywhere.
Apple Pay
Pay over time on Apple Pay when shopping online or in app, on iPhone or iPad.²
One-time card
Split your payments anywhere Visa is accepted with a one-time card. ³
Klarna Card
Get Klarna on a Visa card and choose how you pay for any purchase. Sign up in 60 seconds and start using it today. ⁴
Klarna app
Use the Klarna app to shop and pay flexibly at any store, plus earn cashback from your favorite merchants.⁵
Pay your way at your favorite brands
Look for Klarna at checkout, offered at thousands of brands.
Discover more ways to pay
Pay in 30 days
Shop first and pay up to 30 days after placing your order. No upfront payments, no interest. ⁶
Pay in full today
Pay for what you love right away. Fast and secure, with stored cards and buyer protection. ⁶
Pay over time
Get more time to pay for what you love and make a larger purchase more manageable over time. ⁸
Frequently asked questions
Questions on how to use Pay in 4? Find your answers below. For any further help or trouble-shooting, please contact customer service.
Pay in 4 allows you to split your purchase into 4 interest-free payments, paid every 2 weeks. Just choose Klarna at checkout at partner stores. The first payment will be taken from your credit card, debit card or bank account when your order is shipped. The remaining three payments will be automatically charged every 2 weeks afterwards, with no interest or fees when you pay on time.
To be eligible to use Klarna, you must:
Be a resident of the United States or its territories with a valid US address
Be at least 18 with a valid SSN
Have a valid card/bank account
Be able to receive verification codes via text
Klarna is currently available nationwide, except for Hawaii, US Territories (excluding Puerto Rico), or for customers with APO/FPO/DPO addresses.
We’ll email you if your payment is unsuccessful. We’ll also try one more time to collect it. If we can’t collect it a second time, it will be added to your next payment along with a late fee of up to $7.00. The aggregate sum of your late fees will never exceed 25% of your order value at the time of purchase.
Never miss a payment with the Klarna app
Manage your payments and get due date reminders on the go.
¹ See payment
. A higher initial payment may be required for some consumers. CA resident loans made or arranged pursuant to a California Financing Law license. NMLS #1353190.² Apple Pay: Paying 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 https://support.apple.com/120477. 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.
³ One-time Card: One time card bi weekly payments with a service fee to shop anywhere issued by WebBank.
⁴ Klarna Card: The 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.
⁵ Earn 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,
.⁶ CA resident loans made or arranged pursuant to a California Financing Law license. NMLS # 1353190.
⁷ Exclusions apply. Learn more at
⁸ Pay over time: Monthly financing through Klarna issued by WebBank.