No interest. No catch.
Klarna is the smooothest & safest way to get what you want today, and pay over time. No catch. Just Klarna.
Buy now, pay later is an alternative to credit and gives you the flexibility to shop what you want, when you want, without breaking the bank. When you split the cost of your purchase into 4 smaller payments with Klarna, you’ll never pay any interest. Ever.
Does Klarna impact my credit score?
When you use Klarna to split your purchase into 4 interest-free payments, we run a soft credit check. It won’t affect your score, it just helps us confirm that you pay your bills on time.
How it works
Use your own valid debit or credit card, or other accepted payment method, to pay (no prepaid cards).
The first payment is charged when the merchant completes your order (this is usually the shipping date for online orders).
The next 3 payments are automatically made every 2 weeks after your first payment (payments are every 15 days for California residents).
Klarna charges no interest with Pay Later in 4 and no fees unless you fail to make a payment or, in some circumstances, your payment is returned.
If you return or cancel any part of your purchase, you may get a refund from Klarna depending on how the store handles returns and cancellations. If you are due a refund from Klarna on a returned or cancelled order, we will refund the balance back to your original payment method.
If you have questions about the quality or shipping of your order, please contact the merchant where you made the purchase.
A Late Fee of up to $7 may be charged if any scheduled payment remains unpaid after 10 days (this will never exceed 25% of your Installment Payment amount).
Depending on your payment method, your financial institution may charge you interest or fees under your agreement with them. If you have any questions about those charges contact your payment method provider.
Klarna customer service