• For shoppers
  • For business
Hand holding a device showing Klarna's payment methods with pay over time selected.
Hand holding a device showing Klarna's payment methods with pay over time selected.

Plan big.
Pay over time.

Break up the cost of your purchase into smaller monthly payments. See where you can pay over time.¹

Shop now

Financing plans range from 3-24 months with interest rates ranging from 0.00%-35.99% APR¹

Hand holding a smartphone displaying pay over time options.

Why do shoppers choose to pay over time with Klarna?

  • Flexible terms: Split the cost over 3-24 months¹ with a fixed monthly amount.

  • Full transparency: View your total repayment schedule upfront, with no extra fees when you pay on time.

  • Instant decisions: Get confirmation for a payment plan in a few seconds.

  • Pay it off early: Settle the full amount anytime, at no extra cost.

How Pay over time works

Choose Klarna at checkout

Click on the pink badge and pay with Klarna at your favorite stores.

Choose Pay over time

Choose Pay over time and spread the cost over 3-24 months with interest rates starting at 0.00% APR.¹

Complete your purchase

You'll receive an email with your payment plan when the store ships your order. From there, you can manage your payments in the app.

Don't see Klarna Pay over time at checkout?

You can still pay flexibly anywhere in the following ways.

Don't see Klarna Pay over time at checkout?

You can still pay flexibly anywhere in the following ways.
Three Klarna Cards in different colors.
Hand holding a phone and selecting Klarna at checkout in a mobile wallet.
Green sweater for sale in the Klarna app.

  • Debit² or credit.³ Your call. Whether you pay now or later, our cards give you clear costs and flexibility. Pay anywhere Visa is accepted, online or in-store.

    Learn about Klarna cards

  • Pay over time on Apple Pay when shopping online or in-store.⁴

    Learn about Apple Pay

  • Shop now and pay later at any store, plus earn up to 12% cashback⁵ at select stores.

    Download the app

Frequently asked questions

Questions on how to use Pay over time? Find your answers here. For any further help or troubleshooting, please contact customer service.

Klarna's Pay over time lets you shop and pay in monthly installments. You can spread the cost of your purchase for up to 24 months. Here's how:

  • Select the Pay over time option in the checkout

  • Choose your preferred timeline from the available options

  • Follow the steps to complete the application

  • Get an instant decision

  • Complete your purchase

You’ll receive an email from us with your installment plan when the store ships your order.

Please note: A credit check will be performed when you apply for our Pay over time option.

To be eligible to use Klarna:

  • Be a resident of the United States or its territories

  • Be at least eighteen years old or of legal age in your state of residence.

  • Have a valid card/bank account.

  • Have full legal capacity to enter into a contract.

  • Accurately provide your true and correct personal details.

  • Be able to receive security verification codes via text message.

Good to know:

We’ll email you if your payment is unsuccessful. We’ll also try one more time to collect it. If we can’t collect it a second time, it will be added to your next payment along with a late fee of up to $7.00. The aggregate sum of your late fees will never exceed 25% of your order value at the time of purchase.

That depends on your agreement.

  • Your first payment will be due one month after your order was processed, and then monthly thereafter on the same date each month (Some orders require a down payment).

  • You can always find your payment plan and upcoming payments in your Klarna app.

Good to know:

  • Our Pay over time and products are issued by WebBank in partnership with Klarna.

  • The Annual Percentage Rate (APR) for purchases is between 0.00%-35.99%.

  • Read our terms and conditions for more detailed information about Pay over time.