So, how does Klarna work?

There are two ways to use Klarna. You can take Klarna’s pay in 4 option to any store by downloading and shopping directly through our app, in-store and online. Or, simply go to the retailers we're currently partnered with and pay with Klarna at checkout.

Pay in 4 everywhere with Klarna.

Download the Klarna app and get the freedom to pay in 4 with zero interest everywhere, in-store and online.

Pay with Klarna at your favourite retailers.

Discover hundreds of retailers with Klarna available at checkout. Head to our store directory to get started.

Unlock rewards.

Join our rewards club and earn points on your shopping. Points unlock exciting deals and rewards. Unlock your first reward today.

Pay later shopping.

Millions of people have already discovered the benefits of online shopping with payment plans. Pay over time, no matter what you need, we’ve got flexible payment options to fit your budget.

Interest-free payments.

Split the cost of your purchase into 4 payments, over 6 weeks. No interest. No catch. Just more time to pay for the things you love.

*Fees may apply. Learn more here.