How Klarna works
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Customer login
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Log in to manage your orders, payout reports, store statistics, and general settings.
A smarter way to shop and pay
Join our global community of 150 million active users and over 550,000 retailers. Enjoy secure shopping, lightning-fast checkout, and pay the flexible way—now, in 30 days, in 4 interest-free payments, or over time.
Shop smart, pay your way
Pay in 4, interest-free
Split the cost into 4 interest-free payments, or choose another Klarna option that suits you.
Shop securely
Get extra peace of mind with Klarna's buyer protection, and pause payments when reporting problems or returns.
Checkout with confidence
Pay with Klarna and breeze through checkout when you shop your favorite brands or stores.
How does Klarna work?
Find what you love and pay your way. With Klarna, you’re in control of how you want to pay every time you shop.
Choose Klarna at checkout
Click on the pink badge and pay with Klarna at your favorite stores.
Choose your payment option
You can Pay now, Pay in 4 interest-free payments, Pay in 30 days, or Pay over time.
Manage everything in one place
Make any remaining payments in the app. We’ll keep you on track with reminders and updates.
Ways to pay with Klarna
Find great deals in the app, shop what you love, and choose to pay now, later, or over time.
Pay now
Pay for what you love right away. This option allows you to pay upfront in full through fast, secure checkout.
Pay in 4 interest-free instalments
Interest-free never felt so good. Split the cost into 4 payments, paid automatically every 2 weeks.
Pay in up to 30 days
Shop first and pay up to 30 days after placing your order. No upfront payments, no interest.
Pay over time
Need more time to pay? Simply spread the cost over smaller monthly payments.
Get started in seconds
Sign up for free to start shopping—via the Klarna app, browser extension, or in-store with the Klarna Card.
Shop your favorite brands, online and in-store
Discover where you can shop flexibly and securely with Klarna.
Klarna Card
Take the Klarna Card with you
Sign up to the Klarna Card for free, and pay with it online, in-store and abroad—and manage your purchases directly in the app.
Klarna Money Manager
Stay within budget
Set a personal limit on your Klarna spending to stay within budget. See what you have, what you’ve spent, and what you've saved—so nothing gets past you.
Your shopping, but better
It's now easier than ever to save on the stuff you love—let Klarna help you find a great deal.
Get cashback
Earn cashback when you shop in the Klarna app, and redeem it on future purchases.
Compare prices
Find what you're looking for faster, and compare prices across your favorite stores to secure a great deal.
Do it all in one app
Shop what you love, manage your payments, and track your orders—all in the Klarna app.
Upgrade to Klarna Plus
Say goodbye to service fees, and unlock exclusive deals every month.
Meet your shopping companion
Add the Klarna extension to your browser to shop and pay with Klarna everywhere. We'll apply the best coupons at checkout.
Shop in-store
Use the Klarna app to shop now and pay later in physical stores—and keep track of your payments.
Shoppers love Klarna
Join 150+ million people who love to shop and pay with Klarna—rated 4/5 on Trustpilot, with over 290,000 reviews. Here's what they have to say.
Love it!!
"The application itself is very easy to navigate and access. I love how literally any retail company is in this app. Whenever I have inquiries I message the chat support and someone helps me out asap!! I use this this app religiously."
- Diana
I am very much pleased with Klarna
"I am very much pleased with Klarna. I’ve used it to make a couple purchases and the process was easy both times. The app is easy to navigate and make payments. I will definitely use Klarna again in the near future."
- JS
Klarna is my favorite go to pay in…
"Klarna is my favorite go to pay in installments app. They have a variety of stores that we all love shopping on. As well as paying in store is super easy. They never disappoint, Klarna is my 1st recommendation."
- KadijahLove
Choose your language and region
Klarna is available around the world with a variable offering, choose one that suits you best.
Monthly financing through Klarna and One-time card bi-weekly payments with a service fee to shop anywhere in the Klarna App issued by WebBank. Other CA resident loans at select merchants made or arranged pursuant to a California Financing Law license. Copyright © 2005-2024 Klarna Inc. NMLS #1353190, 800 N. High Street Columbus, OH 43215. VT Consumers: For WebBank Loan Products (One-Time Cards, Financing, Klarna Card): THIS IS A LOAN SOLICITATION ONLY. KLARNA INC. IS NOT THE LENDER. INFORMATION RECEIVED WILL BE SHARED WITH ONE OR MORE THIRD PARTIES IN CONNECTION WITH YOUR LOAN INQUIRY. THE LENDER MAY NOT BE SUBJECT TO ALL VERMONT LENDING LAWS. THE LENDER MAY BE SUBJECT TO FEDERAL LENDING LAWS.