It’s smoooth and simple

Select Klarna at checkout to buy now and pay later. Spread the cost of your purchase over time with convenient, stress­-free payment options. It is easy, safe to use, and you’re always covered by Klarna’s Buyer Protection.

How to checkout with Klarna

1.  Add item(s) to your cart and select  at checkout.

2.  Choose the payment option that fits your needs.

3.  Enter your card information.

4.  Easily manage your purchases in the Klarna App.

You shop, you choose how to pay.

4 interest-free installments

Split your purchase into 4 payments so you can spread the cost of your purchase over time. Enter the credit or debit card of your choice for automatic payments every two weeks. No interest or added fees when you pay on time!

Pay later in 30 days

With Pay later in 30 days, you’ll get a free payment delay that allows you to try before you buy. Pay for your purchase up to 30 days after it’s been shipped. No upfront payment, no interest, and no fees when you pay on time.

Making payments

Review your latest purchases and pay any open balances by logging into your Klarna account at https://app.klarna.com/login. You can also chat with Klarna Customer Service 24/7 in the Klarna App.

Safe and secure

Klarna uses the latest safeguards and security to protect your information and prevent unauthorized purchases. You have zero fraud liability with Klarna’s Buyer Protection policy.

Frequently Asked Questions

Don’t see your question here? Check out Klarna’s full FAQ page.

What is Klarna?

Klarna is a global payment solutions provider that works with retailers to provide customers the smoothest online shopping experience. Klarna is in over 205,000 online stores and has more than 85 million users globally. Learn more.

How do I pay in 4 interest-free installments?

Select 4 interest-free installments to split your purchase into four payments, charged every two weeks beginning at the time your order is confirmed (usually the shipping date). No bills are sent - you can simply sit back, relax, and enjoy your purchase. View complete terms.

How do automatic payments work?

Payments are collected every other week from the debit or credit card you provide at the time of purchase. All scheduled payments are communicated to you by email and you can review your purchases by logging in at https://app.klarna.com/login.

How does Pay later in 30 days work?

When you checkout with Pay later in 30 days, you have the ability to try your items before you buy. Receive and review your order at home before ever making a payment. Once your order has been shipped, you’ll receive an email with instructions to pay. Need to make a return? Simply log in to the Klarna App.

Is there a fee to use Pay later in 30 days or 4 interest-free installments?

There are no upfront fees when you follow the payment schedule. If you fail to make a payment on time late fees may apply. Please review the product terms for applicable fees.

Will this affect my credit score?

When you choose Pay later in 30 days or 4 interest-free installments, Klarna may perform a soft credit check. This type of check will not impact your credit score or show up as a hard inquiry on your credit report.

How can I reach Klarna?

You can reach Klarna anytime at https://www.klarna.com/us/customer-service/ or by downloading the Klarna App for 24/7 chat.