Pay Over Time Financing

Shop now, pay later with Klarna!

It’s smoooth and simple.


Select Klarna at checkout to buy now and pay later.

We’ve partnered with Klarna to provide you with easy payment options at checkout. Spread out the cost of your purchase over time with convenient, stress­-free payment options. It is easy, safe to use, and you’re always covered by Klarna’s Buyer Protection.

How to shop with Klarna.

  1. Add item(s) to your cart and head to the checkout.
  2. Select Klarna at the checkout to pay for your purchase.
  3. You will be directed through the quick qualification and purchase steps.
  4. Manage your orders and payments in the Klarna app.

You shop, you choose how to pay.

4 interest-free installments

Split your purchase into 4 payments so you can spread the cost of your purchase over time. Enter the credit or debit card of your choice for automatic payments every two weeks. No interest or added fees when you pay on time!

*It is Klarna's policy that the installment option is only offered for products under $1000 including tax.

Monthly Financing

It’s simple! Monthly financing is available when you choose to open an account with Klarna at the time of checkout. This affordable and highly flexible credit line is issued by WebBank in partnership with Klarna, and it allows you to pay for your purchases over time and can be used anywhere in the Klarna merchant network. You can also choose to pay your account in full at any time if you'd like to save on interest charges. There are no early payment penalties.  View complete terms.

You apply for easy monthly financing directly in the checkout. A simple, 2-step application will provide an instant approval decision. You will know if you are approved in seconds, before completing your purchase. If approved, you will receive an email confirmation from Klarna, and can manage your account through the you’ve been approved, you’ll receive reminders and can manage your payments directly in the Klarna app

Purchase price APR Pay period
$149-$298 11.99% 6 months
$299-$998 11.99% 12 months
$999-$1998 11.99% 18 months
$1999-$2998 11.99% 24 months
$2999-$10000 11.99% 36 months

Monthly financing products are offered by WebBank, member FDIC.

* Promotional offer for qualifying orders. Klarna Credit accounts are subject to a potential $2 monthly minimum interest charge‚ credit approval and terms

Easy Account Access.

See all of your purchases in one place, pay any open balances and much more in the Klarna app. You can also log into your Klarna account at If you need any help, our Customer Service is there for you.

Making payments.

Review your latest purchases and pay any open balances by logging into your Klarna account at You can also chat with Klarna Customer Service 24/7 in the Klarna App.


Safe and secure.

Klarna uses the latest safeguards and security to protect your information and prevent unauthorized purchases. You have zero fraud liability with Klarna’s Buyer Protection policy.

Frequently Asked Questions

Don’t see your question here? Check out Klarna’s full FAQ page.


What is Klarna?

Klarna is a global payment solutions provider that works with retailers to provide customers the smoothest online shopping experience. Klarna is in over 205,000 online stores and has more than 85 million users globally. Learn more.


How do I pay in 4 interest-free installments?

Select 4 interest-free installments to split your purchase into four payments, charged every two weeks beginning at the time your order is confirmed (usually the shipping date). No bills are sent - you can simply sit back, relax, and enjoy your purchase. This option is only valid for products under $1000 including tax. View complete terms.


How do automatic payments work?

Payments are collected every other week from the debit or credit card you provide at the time of purchase. All scheduled payments are communicated to you by email and you can review your purchases by logging in at


Is there a fee to use 4 interest-free installments?

There are no upfront fees when you follow the payment schedule. If you fail to make a payment on time late fees may apply. Please review the product terms for applicable fees.


Will this affect my credit score?

When you choose 4 interest-free installments, Klarna may perform a soft credit check. This type of check will not impact your credit score and will not show up as a hard inquiry on your credit report.

Monthly Financing will perform a soft credit check to prequalify you. Once you complete and submit your application, Klarna will complete the credit check, taking credit score and credit history into consideration when determining if the application is approved.


How can I reach Klarna?

You can reach Klarna anytime at or by downloading the Klarna App for 24/7 chat.


About Klarna

Klarna is one of Europe's fastest growing companies and a leading alternative payment provider. Klarna’s vision is to make all payments ‘smoooth’, adding value for shoppers and retailers with unique payment options and superior customer experience.

Klarna has 2,500 employees across 17 countries, and is leading the way for alternative payments by serving 85 million consumers and 205,000 merchants smoooth payment solutions.