Klarna | Pay your way

FLEXIBLE WAYS TO PAY
Choose to pay in 4 interest-free payments, pay the full amount, in 30 days or over time.¹
SHOP ANYWHERE IN THE KLARNA APP
Access Klarna's flexible payment options anywhere - shop at your favorite stores and split your purchase with the payment plan that suits you.
UP TO 10% CASHBACK
Shop in the app and earn up to 10% cashback.² Get cashback at hundreds of stores in the app.
SHOP WITH THE KLARNA CARD³
Pay with Klarna anywhere Visa is accepted. Pay now or pay later with the card. No fees and no credit impact to apply.
UNLOCK YOUR KLARNA BALANCE
Add money in the Klarna app and pay flexibly, everywhere. Plus, get instant refunds and receive cashback directly to your balance.⁴
USE KLARNA WITH APPLE PAY
Split the cost with Klarna on Apple Pay, available in-store and online.⁵
FIND THE BEST PRICE, EVERY TIME
Search for any product and instantly compare prices across stores.
HASSLE-FREE RETURNS
Need to send something back? Report a return right in the app. We’ll pause your purchase so you don’t have to pay in the meantime.
TRACK ALL YOUR DELIVERIES
Get real-time updates, arrival times, and pickup photos—right in the Klarna app.
24/7 CUSTOMER SERVICE
Use our chat in the Klarna app for 24/7 support.
¹Monthly financing through Klarna issued by WebBank. Other CA resident loans made or arranged pursuant to a California Financing Law license. NMLS #1353190.
²Earn cashback on Klarna App purchases. Klarna balance account required and funds can only be used within Klarna. Cashback issuance depends on store approval and may be affected by cookie settings, combining offers, product exclusions, or other factors beyond our control. Klarna may get a commission. Limitations, terms and conditions apply.
³Deposits in your balance account are held at WebBank, Member FDIC. Klarna is not an FDIC-insured bank and deposit insurance only covers the failure of WebBank. Your deposits in the balance account are eligible for pass-through deposit insurance coverage if certain conditions are satisfied. Funds may be made available to you before WebBank receives them (“early availability funds”); such early availability funds may not be FDIC insured until received by WebBank. Loans that you obtain using the Klarna Card not insured by the FDIC and are not deposits. Account disclosures.
Use your card anywhere Visa is accepted. Certain merchant, product, good and service restrictions apply. Some merchants do not accept virtual cards. Physical card only included with a paid Klarna Membership Plan.
⁴Terms and Conditions apply to gift certificates/gift cards like Klarna Balance.
⁵Paying over time on Apple Pay: Loans not offered by Apple. Subject to eligibility requirements and approval. Not available in all markets, and may not be available for all types of purchases, such as subscriptions and recurring transactions. Available with Apple Pay online and in app, on iPhone and iPad. Not available in-store. Software requirements apply. Additional terms may apply. For more eligibility and feature details, see https://support.apple.com/120477.
Apple Pay is a service provided by Apple Payments Services LLC, a subsidiary of Apple Inc. Neither Apple Inc. nor Apple Payments Services LLC is a bank. Any card used in Apple Pay is offered by the card issuer.