Split the cost.
Pay in 4, interest-free.
Pay in 4 lets you buy now and pay later by splitting your purchase into 4 interest-free payments¹, offering a simple and flexible way to manage your spending.
Why do shoppers choose to pay in 4?
Pay in 4 lets you split your purchase into 4 interest-free payments.
Split the cost of your purchase.
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
Make your first payment
No fees when you pay on time
Pay later anywhere with Klarna
Pay later anywhere with Klarna
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 now and get the flexibility to pay up to 30 days later, with no late fees or interest when you pay on time. Pay only for what you keep.
Pay in full today
Pay for what you love right away. Fast and secure, with stored cards and buyer protection⁶ on eligible purchases.
Pay over time
Need more time to pay? Simply spread the cost over smaller monthly payments. 3-24 month options are available.⁷
Frequently asked questions
Questions on how to use Pay in 4? Find your answers below. For any further help or troubleshooting, please contact customer service.
Pay in 4 allows you to split your purchase into 4 interest-free payments, paid every 2 weeks.
- 1.
Choose Klarna at checkout at partner stores.
- 2.
The first payment will be taken from your credit card, debit card or bank account when your order is shipped.
- 3.
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:
Be a resident of the United States or its territories
Be at least eighteen years old or of legal age in your state of residence.
Have a valid card/bank account.
Have full legal capacity to enter into a contract.
Accurately provide your true and correct personal details.
Be able to receive security verification codes via text message.
Good to know:
A valid Social Security Number (SSN) and a linked card or bank account may be required to use certain Klarna products, such as Pay in 4 and other credit-based payment options, as well as our banking products. Read our terms and conditions for more information.
Pay in 4 is is currently available nationwide, except for Hawaii, US Territories (excluding Puerto Rico), or for customers with APO/FPO/DPO addresses.
If Pay in 4 is offered for your order, you'll see it as a payment option at checkout with a participating retailer.
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.
No. We will perform a soft credit check when you use Pay in 4. Soft credit checks do not affect your credit score and will not be visible to other lenders. Read more here.
Yes, Pay in 4 is interest-free when you pay on time. Your first payment is collected when your order is shipped and the next three are automatically charged every 2 weeks.