Buy now, pay later – How does it work? | Klarna

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

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.

Your new source of inspiration.

Discover thousands of buy now pay later sites already using Klarna. From your next pair of shoes to your new phone, check out our store directory to get started.

Unlock rewards from world-class brands.

Join our rewards club for free and earn points on all your shopping, excluding Klarna Card purchases. Sign up and unlock your $5 welcome reward today.

Pay in 4.

Split the cost of your purchase into 4 interest-free payments, paid every 2 weeks. No interest. No catch. Just more time to pay for the things you love.

Pay in 30 days.

Start enjoying what you’ve ordered right away. Make payments online or in the Klarna app after trying the product IRL. No interest and only pay for what you keep.

Monthly financing.

Our transparent credit options offered in partnership with WebBank, member FDIC, give you flexible financing you need to seamlessly shop larger purchases.

Pay in 4 anywhere. Now from your computer.

The Klarna app just got a new best friend, Klarna for Chrome. It's our new extension that lets you Pay in 4 anywhere, directly from desktop. You can still manage all your payments from the app.

• Pay in 4 at any online store.
• No interests. No fees when you pay on time.
• No-hassle installation.

Smoooth online shopping.

With Klarna, every store is a buy now pay later store. Turn any purchase into smaller payments.

Klarna app

Pay later at any store.

Elevate your shopping game anywhere online.

• Shop your favorite brands and get rewards for shopping with Vibe.
• Access the latest deals and track price drops.
• Manage all your payments, report returns and get help if you need it.

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.

There are two kinds of credit checks—hard and soft. Soft credit checks, the kind we’ll run for Pay in 4, have no impact on your score because they are not reported to the credit bureaus.

If you’re interested in one of our financing options, a hard credit check might be required. This will be reported to the credit bureaus and will show up as an inquiry on your credit report. Monthly financing through a Klarna credit account is issued by WebBank, member FDIC.

Why Klarna?

No interest. No catch.

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.

Online shopping freedom.

Paying after delivery allows you to try before you buy and is the easiest way to shop online. Complete the payment 30 days after purchase at no added cost. Report returns directly in our app and only pay for the items that you keep.

Full transparency.

With an instant credit decision, you can complete your purchase directly with full transparency. It’s the simplest one-time sign-up process you’ve ever used. Get a full overview of your payments online or in our app.