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Klarna is the smoothest & safest way to get what you want today, and pay over time.
Pay in 4 allows you to split your purchase into 4 interest-free payments, paid every 2 weeks. Once your items are in your cart, just choose Klarna at checkout. The first payment will be taken from your credit card, debit card or bank account when your order is shipped. The remaining three payments will be automatically charged every 2 weeks afterwards.
To be eligible to use Klarna, you must:
Klarna currently accepts most debit and credit cards (i.e., Mastercard, Visa, Discover, American Express), as well as checking accounts for ACH payments. Please note, prepaid cards are not accepted.
Klarna is currently available nationwide, except for New Mexico, Hawaii and US Territories (excluding Puerto Rico).
No, you do not need to pay for items that you did not order, are faulty, or broken. Please contact the store to let them know you received the wrong order and follow their instructions. Then, let Klarna know which items you have an issue with:
By doing this, your payment plan will be paused until you’ve resolved the issue with the store. You can check the status of your reported problem on the details page of your purchase in the Klarna app.
Follow the store’s return instructions. Then, let Klarna know which items you have returned by reporting a return:
Heads up, if you later wish to return more items than you initially reported in the app, be sure to let the store know so your order details can be updated.
Klarna will send an email confirmation for all completed payments. You can also call or live chat with Klarna’s customer service agents 24/7 to confirm payment.
Yes. If you want to pay the next payment or full balance of your payment plan early, simply log into the Klarna app, go to the “Purchases” tab, and select “Payment Options.”
Klarna will email you if your payment is unsuccessful, and try one or more times to collect it. If they can’t collect it, it will be added to your next payment along with a late fee of up to $7.00. The aggregate sum of your late fees will never exceed 25% of your order value at the time of purchase.
Your credit score will not be impacted when you use Klarna payment products.
Don’t see your question here? Check out Klarna’s full FAQ page. You can reach Klarna anytime at https://www.klarna.com/us/customer-service/ or by downloading the Klarna app.
Financing allows you to spread the cost of your purchase for up to 36 months.
How to finance your purchase:
You’ll receive an email with your payment plan when the store ships your order.
Please note: A credit check will be performed when you apply for our Financing options.
We do not always perform a credit check on you, nevertheless, as a responsible lender, we want to make sure we’re helping our customers make the right financial decisions for their circumstances. When a credit check is performed, we verify your identity using the details you provided and we look at information from your credit report to understand your financial behavior and evaluate your creditworthiness.
We will not perform a credit check on you when:
We will perform a soft credit check when:
Read more about how these credit checks impact your credit score.
Our third party credit checks are performed by Transunion. If you have questions regarding their services, your credit score, or the data provided as part of a credit check we advise you to reach out to them directly.
These checks are performed in accordance with Klarna’s Terms & Conditions.
Klarna currently accepts debit cards as a form of payment when checking out with Financing. Subsequent payments (including autopay) can be made via checking account.
Yes, there will be an option to pay early in the Klarna email correspondence OR via the Klarna app.
The highest security standards are used to protect your data and personal information.
If you want to know more about the way we handle your personal information, please read our Privacy Policy.
See our Cookie Policy for information about how we use cookies and your ability to choose how to use them.
Klarna Financing is currently available nationwide, except for online and in-store shoppers residing in West Virginia and Massachusetts. Klarna is available in Puerto Rico, but not in other US Territories.
Pay now is available to customers from all US states and Puerto Rico. Klarna Pay now is not available in otherUS Territories.
