Pay later with Klarna.

Want to pay later for your purchases? Split the cost into monthly installments or pay in full up to 30 days later.

Interest-free installments.

Spread the cost of your purchase into 3 interest-free installments, automatically charged from your card every 30 days.

Select the Klarna option and enter your debit or credit card information. No interest or fees – ever. It’s as simple as making any other card purchase.

After we confirm that the order is on its way, Klarna will charge your card for the first third of the total amount. Klarna will then send you a notification once the payment has been processed.

Every 30 days Klarna will automatically charge your card 1/3 until the full order amount has been paid. You will be informed ahead of time. There’s no interest or fees to pay.

Pay later in 3 installments

The following Terms apply between Klarna Bank AB (publ) (“Klarna”, “we” or “us”) and you who has made a purchase and want a smooth payment experience. If you choose this payment option you agree to these Terms.

This is a payment option you can choose to part pay your purchases by dividing the cost into 3 equal payments without any interest, fees, or charges using a credit or debit card. However, the issuer of your card may charge interest or other fees under the terms of your card agreement.

How do I pay later in 3 installments?

Provide your card details in order to complete your purchase. The first payment is taken from your card at the time the merchant confirms your order. The two remaining equal payments will also be taken from your card 30 and 60 days after the first payment is taken. We will tell you the due dates via electronic communication and they are viewable in the Klarna application.

You give us the authority to take the two remaining equal payments from your card on the due dates without any further notice to you. In the event the merchant does not charge for your entire order at the same time, we will create a different Pay later in 3 installments order for each merchant charge. Each of these order parts will have its own due date depending on when the merchant confirms that part of your order. This situation may be common where a merchant does not ship all the items from your order at the same time.

You will maintain an adequate credit balance on your card to allow for payments to be taken on the due dates. It is important you ensure enough funds are available to complete your payment on the due date. If you fail to make a payment you will be in default and may be unable to use the service in the future. We may continue to attempt to collect overdue and currently due payments on subsequent due dates or invoice you separately for the unpaid total.=

If you are in default Klarna may also charge the outstanding balance on your Pay later in 3 installments purchase immediately, using any card we have on file for you.

What do I need to know?

You must be 18 years old.

The card is valid and issued to you.

It is at our discretion whether you can pay with this payment option. We may limit the types of cards we accept at our discretion. If a type of card is not accepted you will be notified before the purchase is completed. Most valid credit and debit cards that are not scheduled to expire in the near future are accepted. We do not accept prepaid cards. If we accept a card we will authorize the card for 1/3 of the order total at the point of purchase. This amount will not be charged until the merchant confirms the order, but your card issuer may restrict your access to the authorized amount while pending.

We may carry out a limited credit search on you at a credit reference agency. This search will not affect your credit score or your chances of obtaining credit in the future. If we do not carry out a limited credit search we will validate your card and request authorization from your card issuer. In this case, there will be no entry shown on your credit file for these payments.

If we are not able to take the second installment from your card on the due date we will provide you a courtesy seven-day slack period so that you can update your payment method or ensure enough funds are available on your selected card. If we are not able to take the second installment during the slack period we will roll over the unpaid amount to the next and final installment. If we are unable to take the outstanding amount on the third installment we may invoice you the remaining amount for immediate payment or follow our debt collection procedures.

If your card is canceled you will immediately pay us all the remaining payments when we ask you to. If your card details change between your initial purchase and final payment, you agree to notify Klarna of your updated card information. Klarna will provide you an online method to provide these updates. If you fail to provide updated information, you authorize Klarna to obtain the updated details from your card issuer, if available.

You authorize us to store your card details on our systems. We will use this information to authorize future payments under these Terms. Unless you opt-out, we may also use this information to conveniently prefill your card details for future purchases. You may manage your cards and details online. In the event Klarna obtains updated card information from your card issuer, you agree that we may store this updated information on our system.

You can pay any remaining payments at any time and we will not charge you for doing so.

If you cancel your purchase we will cancel any remaining payments and payback to your card any amounts we have taken. Any part returns or refunds credited to your purchase will reduce your outstanding balance, but do not count as payments. You will need to continue to make your previously disclosed payments at scheduled due dates until your balance is paid in full.

Our Use of Your Personal Data

Klarna processes your personal data in order to carry out our obligations in this agreement and for the additional purposes set out in our Privacy Notice. The Privacy Notice is available here, and on our website, and by using Klarna’s services you confirm that you have read this Notice. We process your personal data for example to identify you and perform customer analysis, credit assessments, marketing, and business development. We may also transfer your data to selected partners (such as credit reference bureaus), which may be established outside of the EU/EEA. In the Privacy Notice, there is more information about our data sharing, your rights in regards to your data, how you may contact us with questions, or submit a complaint to an authority.