Before you make a purchase with Klarna it helps to know how to qualify for Klarna’s payment options. Please click the below links for Klarna's Terms & Conditions based upon your location.
T&C's for UK and applicable EU territories.
T&C's for US territories.
Is the Klarna payment option you want to use available in your location?
Pay later in 30 days
Klarna’s 'Pay later in 30 days' payment option is available in the following countries:
- Austria - AT
- Belgium - BE
- Finland - FI
- Germany - DE
- Italy - IT
- Netherlands - NL
- Spain - ES
- United Kingdom - GB
- United States - US
What is ‘Pay in 30 days’?
Make your purchase today so you can try before you buy. Only pay for what you keep. Pay up to 30 days later. No interest. No fees, when you pay on time.
Paying after delivery allows you to try before you buy and is the easiest way to shop online.
- Complete the payment in full after purchase at no added cost.
- The report returns directly in our app and only pay for the items that you keep.
- Not making your payment on time could affect your ability to use Klarna in the future.
- Debt collection agencies are used as a last resort
Pay in 30 days is an unregulated credit agreement. Borrowing more than you can afford or paying late may negatively impact your financial status and ability to obtain credit. 18+, UK residents only. Subject to status. T&Cs and late fees apply.
For more information about Klarna's 'Pay in 30 days' option, please click HERE.
Pay in 3 instalments
We are able to offer the ‘Pay in 3 instalments’ payment option in the following countries:
- Italy - IT
- Romania - RO
- Spain - ES
- United Kingdom - GB
What is ‘Pay in 3 instalments’?
Spread the cost of your purchase into 3 interest-free instalments. The first payment is made at point of purchase, with remaining instalments scheduled automatically every 30 days. Select the Klarna option and enter your debit or credit card information.
- A new way to pay that's an alternative to a credit card.
- 3 instalments gives you flexibility to shop without interest.
- Not making your payment on time could affect your ability to use Klarna in the future.
- Debt collection agencies are used as a last resort.
If your order is eligible for ‘Pay in 3 instalments', the option will be presented at the time of checkout.
For more information about Klarna's 'Pay in 3 instalments' option, please click HERE.
Klarna's Pay in 3 is an unregulated credit agreement. Borrowing more than you can afford or paying late may negatively impact your financial status and ability to obtain credit. 18+, UK residents only. Subject to status. T&Cs and late fees apply.
Pay in 4 instalments
- United States - US (only)
What is ‘Pay in 4 instalments’?
Pay in 4 allows you to split the cost of your purchase into 4 easy payments, made every 2 weeks. No interest. No catch. Just more time to pay.
If your order is eligible for ‘Pay in 4 instalments', the option will be presented at the time of checkout.
For more information about Klarna's 'Pay in 4 instalments' option, please click HERE.
UK and Applicable EU Territories
*Klarna’s Pay in 3/Pay in 30 days are unregulated credit agreements. Borrowing more than you can afford or paying late may negatively impact your financial status and ability to obtain credit. 18+, UK residents only. Subject to status. T&Cs apply.
US Territories
*CA resident loans made or arranged pursuant to a California Financing Law license. https://www.klarna.com/us/terms-of-use/.
Good to Know
Klarna's financing products are issued by WebBank (member FDIC) in partnership with Klarna.