Pay over time
Get even more
time to pay
Break up the cost of your purchase into smaller monthly payments. See where you can pay over time.
Financing plans range from 3-36 months with interest rates ranging from 7.99%-33.99% APR ¹
Manage large payments over time
Why do shoppers choose to pay over time with Klarna?
Break up a bigger purchase into smaller payments
over 3-36 months.Pay off the full amount any time without penalty.
How Pay over time works
Choose Klarna at checkout
Click on the pink badge and pay with Klarna at your favorite stores.
Choose Pay over time
Choose Pay over time and spread the cost over 3-36 months with interest rates starting at 0.00%.
Complete your purchase
You'll receive an email with your payment plan when the store ships your order. From there, you can manage your payments in the app.
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. Pay just 25% upfront. ²
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. ²
Pay in full today
Pay for what you love right away. Fast and secure, with stored cards and buyer protection. ³
Frequently asked questions
Questions on how to Pay over time? Find your answers below. For any further help or trouble-shooting, please contact customer support .
Paying over time allows you to spread the cost of your purchase for up to 36 months.
Here’s how:
Select the Pay over time option in the checkout
Choose your preferred timeline from the available options
Follow the steps to complete the application
Get an instant decision
Complete your purchase
You’ll receive an email from us with your payment plan when the store ships your order.
Please note: A credit check will be performed when you apply for our Pay over time option.
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
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.
That depends on your agreement.
Your first payment will be due one month after your order was processed, and then monthly thereafter on the same date each month (Some orders require a down payment)
You can always find your payment plan and upcoming payments in your Klarna app
Good to know:
Our Pay over time and products are issued by WebBank in partnership with Klarna
The Annual Percentage Rate (APR) for purchases is between 7.99-33.99%
Read our terms and conditions for more detailed information about Pay over time
Never miss a payment with the Klarna app
Manage your payments and get due date reminders on the go.
Download the app:
¹ A $1,000 purchase might cost $181.04 per month over 6 months at 28.99% APR. Rate ranges from 7.99%-33.99% APR based on creditworthiness and subject to credit approval, resulting in, for example, 12 equal monthly payments of $86.98 at 7.99% APR to $99.46 at 33.99% APR per $1,000 borrowed. Minimum purchase required. A down payment may be required. Estimation of monthly payment excludes potential tax and shipping costs. Monthly financing through Klarna issued by WebBank.
² 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 #1353190.³ Exclusions apply. Learn more at