Klarna is the smooothest & safest way to get what you want today, and pay over time. No catch. Just Klarna.

So, how does Klarna work?

Shop at your favorite stores—in our app, at your local mall, or anywhere online—then, checkout with Klarna. From finding what you love, to paying over time, we make every step smoooth.

Pay later with our shopping app.

Download our free app and get shopping tips tailored to you, exclusive deals and the freedom to shop anywhere and pay how you prefer.

Klarna Pay Later in 4 Agreement

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.

Klarna Pay Later in 30 Days Terms

How it works

  • We partner with merchants who want to offer a smoooth shopping experience.

  • Checkout with any of these merchants who offer to “Pay later in 30 days with Klarna.”

  • Once the merchant confirms shipment of your order, we will send you a digital invoice due in 30 days.

  • Receive your order and keep what you like, and return the rest.

  • Once you are happy with your order, you can pay your final balance with a valid credit card, debit card or bank account. Best of all, we don’t charge you any fees or interest.

  • It’s that easy! No need to pay upfront and worry about slow returns holding up your funds.