How Klarna Works

hey-abby-klarna.png__PID:ddb9a829-049c-4c1a-9e8a-17d98518de5c

Buy now, pay later.

Split your entire online purchase into 4 interest-free payments, over 6 weeks with no impact to your credit.

2.png__PID:5e70bf73-360c-46bb-88ed-6ee1475215f0

How Financing works.

On each product page, shoppers see both the full price of an item and the minimum monthly cost to use Klarna Financing.

Desktop_Block3.jpeg__PID:90f4ad58-b054-480c-8d22-9d9a5c59222a

1. At checkout

Your customer selects Financing and completes a simple application with top-of-mind details. They will receive an instant decision with an offer personalized to fit their needs.

Desktop_Block2.jpeg__PID:8e90f4ad-58b0-44c8-8c4d-229d9a5c5922

2. On shipment

Your customer easily makes their monthly payments to Klarna online or in our app. As always with Klarna, you get paid upfront and in full.

Desktop_Block1.jpeg__PID:268e90f4-ad58-4054-880c-4d229d9a5c59

3. Post-purchase

Your shopper gets a clear overview of their purchases in the Klarna app and can easily manage their orders or set up automatic payments.

Desktop_Block3.jpeg__PID:90f4ad58-b054-480c-8d22-9d9a5c59222a

1. At checkout

Your customer selects Financing and completes a simple application with top-of-mind details. They will receive an instant decision with an offer personalized to fit their needs.

Desktop_Block2.jpeg__PID:8e90f4ad-58b0-44c8-8c4d-229d9a5c5922

2. On shipment

Your customer easily makes their monthly payments to Klarna online or in our app. As always with Klarna, you get paid upfront and in full.

Desktop_Block1.jpeg__PID:268e90f4-ad58-4054-880c-4d229d9a5c59

3. Post-purchase

Your shopper gets a clear overview of their purchases in the Klarna app and can easily manage their orders or set up automatic payments.

*shipping times subject to merchant shipping policy

hey abby.png__PID:9befe9dd-2641-4931-986b-cbcd2eb1c26f
hey-abby-klarna.png__PID:ddb9a829-049c-4c1a-9e8a-17d98518de5c

Klarna offers financing plans that range from 6-24 months with interest rates ranging from 7.99%-33.99% APR. Choose Klarna at checkout. Learn More.

Financing FAQ