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Shop now. Pay later with Klarna.

Klarna is the smooothest & safest way to get what you want today, and pay over time.

So, how does Klarna work?

It’s smoooth and simple.

Klarna helps you elevate your shopping game. When you choose Klarna at checkout, you’ll get the option to shop now and pay later for your purchase. It's shopping the way it should be. Effortless, safe and fun.

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The best way to shop.

Get deals on your favorite products, check your Purchase power, see all of your purchases in one place, extend your due dates, pay open balances and much more in the Klarna app. You can also log into your Klarna account at https://app.klarna.com/login. If you need any help, Klarna’s Customer Service is there for you.

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Safe and secure.

Klarna uses the latest safeguards and security to protect your information and prevent unauthorized purchases.

How to shop with Klarna

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    Step 1

    Add item(s) to your cart and head to checkout.

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    Step 2

    Select Klarna at checkout and choose how you would like to pay.

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    Step 3

    Manage your orders and payments in the Klarna app.

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pay in 4

Split your purchase into 4 interest-free payments so you can spread the cost over time. The card or bank account of your choice will be automatically charged every 2 weeks. No interest or fees when you pay on time.*

*See payment terms. A higher initial payment may be required for some consumers. CA resident loans made or arranged pursuant to a California Financing Law license.

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About Klarna

We’re on a mission to elevate shopping by reshaping the entire experience from browsing to owning. We do this by giving you convenience, perks and inspiration.

Founded in Stockholm, Sweden, Klarna is one of Europe's fastest-growing companies and a leading alternative payment provider. We have 6,000+ employees from 100+ nationalities, and are leading the way for alternative payments by serving 150 million active consumers and over 450,000 retail partners.

https://www.klarna.com/international/about-us/

Frequently Asked Questions

What is Klarna?

Klarna is the smooothest & safest way to get what you want today, and pay over time.

What is Pay in 4 and how does it work?

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.

Who can use Klarna?

To be eligible to use Klarna, you must:

  • Be a resident of the United States or its territories
  • Be at least 18
  • Have a valid card/bank account
  • Have a positive credit history
  • Be able to receive verification codes via text

Which payment methods are accepted?

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.

Where can I Pay in 4 with Klarna?

Klarna is currently available nationwide, except for New Mexico, Hawaii and US Territories (excluding Puerto Rico).

If there’s an issue with my order, do I still need to pay for it?

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:

  • In the Klarna app, go to Orders and select the order you want to cancel
  • Tap Report a problem or More and then Report a problem
  • Select the option that suits you best and follow the instruction to pause your payments

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.

What happens if I need to make a return?

Follow the store’s return instructions. Then, let Klarna know which items you have returned by reporting a return:

  • In the Klarna app, go to Orders
  • Select the purchase, or the items, you wish to return
  • Tap Report 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.

Has Klarna received my payment?

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.

Can I pay before the due date?

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.”

What happens if I don’t pay for my order?

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.