Pay in 30 days
Get it first. Pay later.
Shop and pay in up to 30 days after your purchase. No upfront payments and no interest.¹
See where you can Pay in 30 days.
No upfront payment, no interest
Why do shoppers choose to Pay in 30 days?
Shop first and pay up to 30 days later.
Try out the item before you pay.
No fees when you pay on time.
How Pay in 30 days works
Choose Klarna at checkout
At checkout, select Klarna's Pay in 30 option. Klarna will cover the purchase so you can get your items without any upfront cost.
Get 30 days to decide
Once the order ships, you have 30 days to decide if you're satisfied with your items. We’ll keep you on track with reminders.
Manage everything in one place
Complete your payment within 30 days, online or in the app, to avoid any late fees, paying only for the items you choose to keep.
Pay your way at your favorite brands
Look for Klarna at checkout, offered at thousands of brands.
Discover more ways to pay
Pay in 4
Split your purchase into 4 interest-free payments, paid automatically every 2 weeks. ¹
Pay in full today
Pay for what you love right away. Fast and secure, with stored cards and buyer protection. ²
Pay over time
Get more time to pay for what you love and make a larger purchase more manageable over time. ³
Frequently asked questions
Questions on how to use Pay in 30 days? Find your answers below. For any further help or trouble-shooting, please contact customer support.
Klarna’s Pay in 30 days allows you to receive your order up front and get up to 30 days to pay without any interest and fees if you pay on time. In the Klarna app, you’ll have the option to pay off the balance earlier or extend the due date to a later date, if needed.
If your order is eligible for Pay in 30 days, the option will be presented at the time of checkout. As soon as the store ships your order, you will receive an email from Klarna outlining your payment. Your purchase and payment will then be visible and manageable in the Klarna App.
Good to know: There is no fee to use Pay in 30 days, if you pay on time.
Klarna may perform a soft credit check when you apply for Pay in 30 days. This type of check will not impact your credit score or show up as a hard inquiry on your credit report.
Klarna currently accepts debit and credit cards as a form of payment when checking out with Pay in 30 days.
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
Never miss a payment with the Klarna app
Manage your payments and get due date reminders on the go.
¹ CA resident loans made or arranged pursuant to a California Financing Law license. NMLS # 1353190.
² Exclusions apply.
³ Monthly financing through Klarna issued by WebBank.