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’?
Klarna’s ‘Pay in 30 days’ allows you to receive your order upfront and get up to 30 days to pay without any interest and no fees when you pay on time.
If your order is eligible for ‘Pay in 30 days', the option will be presented at the time of checkout.
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
- Spain - ES
- United Kingdom - GB
What is ‘Pay in 3 instalments’?
With Pay in 3, you can pay for something you buy by dividing the cost into three equal instalments. At checkout, you’ll see an option to ‘Pay Later in 3'.
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.
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 instalments and Pay in 30 days credit agreements are not regulated by the FCA. Use of these and any missed payments may affect your ability to obtain credit from Klarna and other lenders. 18+, UK residents only. Subject to status. T&Cs apply. https://www.klarna.com/uk/terms-and-conditions/.
US Territories
*CA resident loans made or arranged pursuant to a California Financing Law license. https://www.klarna.com/us/terms-of-use/.