Financing

Klarna's financing service allows customers to purchase goods and services online and pay for them over time, typically in installments.

With Klarna financing, customers can choose to split their purchase into several interest-free payments, usually over a period of 6 to 36 months, depending the amount of the purchase. Customers can apply for Klarna financing at checkout, and they will usually receive an instant decision on their application.

Klarna offers two main types of financing options: Pay in 4 and Pay Later. Pay in 4 allows customers to split their purchase into four equal payments, with the first payment due at the time of purchase and the remaining payments due every two weeks. Pay Later allows customers to defer their payment for a set period of time, usually 30 days, before being required to make the full payment. Some merchants may also offer longer-term financing options, such as 12, 24, or 36 months.

Klarna financing can be a convenient option for customers who want to spread the cost of their purchase over time, without having to pay interest or fees. However, customers should be aware that missing a payment can result in late fees and impact their credit score. As with any financial product, it's important to read the terms and conditions carefully and make sure you can afford the payments before applying for Klarna financing.