Choose Klarna at checkout. Pay in full, up to 30 days later or split the cost into monthly re-payments.

Pay Later with Klarna

Pay in 3.

Spread the cost of your purchase into 3 interest-free instalments. The first payment is made at point of purchase, with remaining instalments scheduled automatically every 30 days.

At the retailer’s check-out

Select the Klarna option and enter your debit or credit card information. No interest or fees. To check your eligibility, Klarna will perform a soft search with a credit reference agency. This will not affect your credit score.

When the order is shipped

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

Every 30 days

Once you make your first payment, we will automatically charge your card every 30 days for the remaining payments. We’ll make sure you are informed ahead of time. There’s no interest or fees.


Spread the cost.

No interest. No fees. No impact on credit score. We partner with retailers to provide flexible payment options.

  • A new way to pay that’s an alternative to a credit card.
  • 3 instalments gives you flexibility to shop without interest or hidden fees.
  • Not making your payment on time could affect your ability to use Klarna in the future.

Pay in 3 Terms and Conditions


Pay in 30 days.

Make your purchase today so you can try before you buy. Only pay for what you keep. Pay up to 30 days later. No interest. No fees. No impact credit score.

At the retailer’s check-out

Choose Klarna to pay up to 30 days later. No need for card details 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 without the stress of upfront payment.

Making the payment

You can easily make or schedule your payment online or in our app at any time up to 30 days. Pay safely and securely by connecting your bank account, debit or credit card.


Shop now, pay later.

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.
  • Report returns directly in our app and only pay for the items that you keep.
  • Not making your payment on time could affect your ability to use Klarna in the future.

Pay Later’ Terms and Conditions


Financing.

This easy and transparent credit option allows you to spread the cost of your purchase over 6-36 months.

At the retailer’s check-out

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 application.

Smoooth credit application

Complete a credit application. You will know instantly if you are approved and can complete the order right away. This involves a hard credit check that may impact your credit score.

Monthly payments

You will make the monthly payment online or in our app using bank transfer or card. You can set up automatic payments or pay off the full amount anytime. We will notify you each month about your upcoming payment.

Pay over 6-36 months.

With an instant credit decision, you can complete the purchase immediately with up-front terms and conditions.

  • Spread the cost of your purchase giving you more time to pay.
  • Get a full overview online or in our app of your payments.
  • Failure to pay will have an impact on your credit score.

Financing Terms and Conditions

Good to Know

Pay later in 4 interest-free instalments is a collaboration with Klarna.