Klarna is the smoothest and safest way to get what you want today, and pay over time. Klarna is a payment service provider that takes end-to-end responsibility for your payment. Klarna is the provider of payments to more than 100,000 online stores. Over 60 million consumers worldwide have trusted Klarna to securely handle their payments.

To be eligible to use Klarna, you must:

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

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.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.

Klarna’s Pay in 30 days allows you to receive your order up front and get up to 30 days to pay without any interest and fees**. In the Klarna app, you’ll have the option to pay off the balance earlier or extend the due date to a later date, if needed.

If your order is eligible for Pay in 30 days, the option will be presented at the time of checkout. As soon as the store ships your order, you will receive an email from Klarna outlining your payments. Your purchase and payments will then be visible and manageable in the Klarna App.

Good to know: There is no fee to use Pay in 30 days. No upfront payment, no interest, and no fees when you pay on time.

**See payment terms. CA resident loans made or arranged pursuant to a California Financing Law license.

If you want to make a purchase with Klarna, you'll need to provide your mobile phone number and your email address. The mobile number is required in case Klarna needs to reach you.

All statements will be sent to your email address. It's very important that you give Klarna the correct details, as otherwise you will not receive the payment information and will be liable for delayed payment fees.

Klarna currently accepts most debit and credit cards (i.e., Mastercard, Visa, Discover, American Express), as well as checking accounts for Automated Clearing House (ACH) payments.

Please note, prepaid cards are not accepted.

Klarna may perform a soft credit check when you apply for Pay in 30 days. This type of check will not impact your credit score or show up as a hard inquiry on your credit report.

Pay in 4 is currently available nationwide, except for New Mexico, Hawaii and US Territories (excluding Puerto Rico).

Pay in 30 days is available to customers from all US states except Montana, New Mexico, and Hawaii. Pay in 30 is not available in US Territories.

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.