How Klarna works
Help
Customer login
Web versionBusiness login
Log in to manage your orders, payout reports, store statistics, and general settings.
Shop and pay the Klarna way
Join over 150 million customers and choose flexible and secure payments, with lightning-fast checkout at top stores globally.
Get the free Klarna app on your phone:
Pay securely with Klarna
Pay your way
Buy now and pay later–choose how much you want to pay and when, every time you shop.
Easy checkout
Breeze through checkout at your favorite brands and stores when you pay with Klarna.
Hassle-free returns
Not quite right? Report returns with a tap and only pay for what you keep.
Klarna goes wherever you go
Sign up now to shop with Klarna—via our app, browser extension, or in-store with the Klarna Card.
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.
Stop guessing, compare prices
Search for any product on Klarna, and compare prices to shop with confidence.
Klarna Money Manager
Stay on top of your budget
Set a personal limit on your Klarna spending to help you stay within your budget. See what you have, what you’ve spent, and what you’ve saved–so nothing gets past you.
Shopping, hacked
Klarna makes it easier than ever to save on the stuff you love–so you know you’re always getting the best deal.
In-store shopping
Use the Klarna app to buy now and pay later in physical stores—and keep track of your payments.
Loyalty cards
Easily store all your loyalty cards in the app and access them in seconds.
Klarna Plus
Say goodbye to service fees, double up on reward points, and unlock exclusive deals every month.
Discover what else we do
Sustainability
Learn more about our conscious shopping tools and read our tips on how to extend the life of your items.
Card
Take Klarna's ways to pay everywhere Visa is accepted. Pay online, abroad, in real life—manage your purchases in the Klarna app.
Your questions regarding credit score
When you use Klarna for your purchase we run a soft credit check, it won’t affect your score.
Klarna may perform a soft credit check, which does not affect your credit score and will not be visible to other lenders when:
Signing up to use Klarna
Downloading the
We will perform a soft credit check when you are:
Deciding to
Preferring to
Using
Klarna and our bank partners do not always perform a credit check on you, nevertheless, as responsible lenders, we want to make sure we’re helping our customers make the right financial decisions for their circumstances. When a credit check is performed, we verify your identity using the details you provided and we look at information from your credit report to understand your financial behavior and evaluate your creditworthiness.
Read more about
.Our third party credit checks are performed by
. If you have questions regarding their services, your credit score, or the data provided as part of a credit check we advise you to reach out to them directly.These checks are performed in accordance with
.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.