Klarna | Shop now. Pay later.

SHOP NOW. PAY LATER.

When you shop in the Klarna app, you can split the cost of your purchase from any online store into 4 smaller, interest-free payments. And it works just as easily in-store, with Google Pay. So you can get what you love today and pay later.

NEW DEALS EVERY DAY.

Shop and save money with exclusive deals and discounts from all over the world, right in the Klarna app. Find a deal you like, claim it with a simple tap. And check back in tomorrow – we add new shopping offers all the time.

TRACK ALL YOUR DELIVERIES.

Get live updates with delivery times, pickup codes, and even photos of a pickup point to help guide the way. So go ahead and follow that truck, from purchase to pick up in the Klarna app.

GET PRICE DROP ALERTS.

Save items in Collections and never pay full price again. Each time you save an item, an automatic price drop alert is set. That way, when the price drops you will know. You can also share your Collections with family and friends.

PERSONALIZED INSPIRATION.

In Klarna’s Inspiration feed, you’ll find carefully curated suggestions for deals, product collections, complete looks, and editorials tailored to your shopping. It doesn’t matter if you love fashion, beauty, tech, or whatever – we’ve got something for you.

INCREASE YOUR SPENDING LIMIT.

The more you shop and pay later in 4 installments with Klarna and pay back on time, the more purchasing power you unlock which allows you to spend more. And, you'll also gain access to even more exclusive deals and offers!

HASSLE-FREE RETURNS.

Need to send something back? Report a return right in the app. We’ll pause your purchase so you don’t have to pay in the meantime.

MANAGE YOUR PAYMENTS.

Pay later without surprises. When you shop with Klarna, you get a complete overview of all your purchases and finances. And you can even make early payments or extend your due date.

INSTANT SHOPPING CONFIRMATION.

No one likes to wait. When you buy something through the Klarna app, you'll see your purchase just seconds after you place your order.

24/7 CUSTOMER SERVICE.

Get round-the-clock service whenever you need it using our chat right in the Klarna app.

Try smoooth shopping in the Klarna app. It’s shopping like a VIP. Without an annual fee.

// CA resident loans made or arranged pursuant to a California Financing Law license. //

Klarna is a Swedish fintech company that offers a range of financial services, including a popular "buy now, pay later" (BNPL) option. This service allows customers to make purchases and pay for them in installments, typically over a period of 30 or 60 days.

How Klarna Works

To use Klarna, customers must first create an account and provide their personal and financial information. Once approved, customers can use Klarna to make purchases at a wide range of online and in-store retailers.

When making a purchase, customers can choose to pay with Klarna and select their preferred payment plan. Klarna offers several different payment options, including:

* Pay in 30 days: Customers can pay for their purchase in full within 30 days without any interest or fees.

* Pay in 4 installments: Customers can split their purchase into four equal installments, with the first installment due at the time of purchase and the remaining installments due every two weeks.

* Pay in monthly installments: Customers can spread their payments over a longer period of time, with monthly installments due on a specific date each month.

Benefits of Using Klarna

There are several benefits to using Klarna, including:

* Convenience: Klarna makes it easy to shop online and pay for purchases later. Customers can simply add items to their cart and checkout with Klarna, without having to enter their credit card information.

* Flexibility: Klarna offers a range of payment options, so customers can choose the plan that best fits their budget and needs.

* Interest-free: Klarna does not charge interest on purchases paid in full within 30 days or on the first installment of purchases paid in installments.

* Rewards: Klarna offers a rewards program that allows customers to earn points on their purchases. These points can be redeemed for discounts on future purchases.

Drawbacks of Using Klarna

There are also some potential drawbacks to using Klarna, including:

* Late fees: Customers who do not make their payments on time may be charged late fees.

* Credit impact: Klarna may report late payments to credit bureaus, which could negatively impact a customer's credit score.

* Debt: If customers use Klarna to make multiple purchases and do not pay them off quickly, they could accumulate a significant amount of debt.

Overall

Klarna is a popular and convenient way to shop now and pay later. However, it is important to use Klarna responsibly and to understand the potential risks involved.