Pay later with Klarna.

Want to pay later for your purchases? Just choose Klarna when shopping at your favorite retailers. Split the cost into monthly installments or pay in full up to 30 days later.


Interest-free installments.


Spread the cost of your purchase into 3 interest-free installments, automatically charged from your card every 30 days.


At the retailer’s checkout

Select the Klarna option and enter your debit or credit card information. No interest or fees - ever. It’s as simple as making any other card purchase.


When the order is shipped

After the retailer confirms that the order is on its way, we will charge your card for the first third of the total amount. We’ll send you a notification once the payment has been processed.


Pay 30 days, and 60 days later

Every 30 days we will automatically charge your card 1/3 until the full order amount has been paid. You will be informed ahead of time. There's no interest, or fees to pay.

No interest. No fees.

It's not too good to be true. We partner with trusted retailers to give you flexible payment options.
A new way to pay that's an alternative to credit.

Short-term installments offers flexibility to purchase and pay over time.

See legal terms


Pay in 30 days.

Make your purchase today and start enjoying what you’ve ordered right away. Pay up to 30 days later and enjoy payment empowerment and peace of mind. No interest. No fees. Ever.

At the retailer’s checkout

Choose Klarna to pay up to 30 days later and enter simple, top-of-mind information. No need for card numbers or complex information to complete the order.

When the order is shipped

Your agreed payment period starts when the order is shipped. This means that you can take the time to try your order before buying it without the stress of upfront payment.


Making the payment

You can easily make your payment online or in our app. Once you’ve connected your bank account, debit or credit card, the checkout process is as simple as a single tap.

Online shopping freedom.

Paying after delivery allows you to try before you buy and is the easiest way to shop online.
Complete the payment in full after purchase at no added cost.

Consumer financing.

This easy and transparent credit option allows you to shop seamlessly with merchants that accept Klarna in payment plans of 6-36 months.

At the retailer’s checkout

Select to pay via financing and choose your preferred payment plan. You’ll be informed of an annual interest rate upfront before you complete the transaction.


One-time credit agreement

Complete a simple, 4-step credit application with top-of-mind information. You will know instantly if you are approved and can complete the order right away.

The monthly payments

You will make the monthly payment online or in our app using bank transfer or card payments. We will notify when it’s time to make the payment each month.

As simple as any other payment.

With an instant credit decision, you can complete the purchase immediately with full transparency on terms.
The simplest financing sign-up process you’ve ever used.

Get a full overview online or in the Klarna app of your payments.

See legal terms

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