For shoppers For business Pay your way with Klarna Shop securely and choose to pay in 4 interest-free payments, in full, in 30 days, or over time.¹ 4.8/5 in the App Store Learn more Use Klarna anywhere you shop At checkout Find the pink Klarna badge at your favorite brands when you shop online.
Learn more In the Klarna app Stay on top of your spending, shop anywhere with Klarna and earn cashback.² Get the app Apple Pay Pay over time on Apple Pay when shopping online or in-store.³ Learn more Klarna Card Shop anywhere Visa is accepted and choose how you pay.⁴ Learn more Why use Klarna Enjoy secure shopping, lightning-fast checkout, and flexible payment options that suit your budget.
Flexible payments No fees if you pay on time Smooth checkout Security and buyer protection Cashback & deals Flexible payments Pay over time with Klarna's flexible payment options, giving you more control over your budget.⁵ No fees if you pay on time Shop with confidence knowing there are no surprise fees or charges when you use Klarna.⁶ Smooth checkout Enjoy a quick, seamless checkout process that makes shopping faster and easier.
Security and buyer protection Shop safely with Klarna's robust security features and buyer protection, ensuring peace of mind with every transaction.⁷ Cashback & deals Earn cashback, shop all of your favorite stores and stay on top of your spending.
The flexible way to pay at Walmart Choose OnePay Later to split your Walmart purchase into smaller payments.
A new payment option powered by Klarna.
Learn more Trustpilot People love Klarna 118+ million people love to shop and pay with Klarna anywhere. "Love the convenience and auto payments to repay back quickly." Rosa - 10th of June 2025 "Super convenient and easy!!
Haven’t had any issues getting approved, set-up or making payments.
Would recommend " JC - 6th of June 2025 “I'm very satisfied using Klarna, it makes it easy for me to purchase things from my favorite retail places like Macy's or Temu and Shein!
I always use them to make any purchases I need to happy and satisfied customer!👏“ Maria - 25th of February 2025 “Klarna is a awesome app.
Very convenient and easy to use.
Their payment plans are excellent and help make the purchases you want without the pressure of paying in full or added interest.“ Katy - 13th of February 2025 "Very good company, it helps me a lot with my purchases with easy payment options." Sara - 20th of June 2025 Customer reviews reflect their personal experience and opinion.
Showing our 5-star reviews.
Pay with Klarna at your favorite brands See all 1% cashback 2% cashback 3% cashback 1% cashback 2% cashback 3% cashback 1% cashback 1% cashback 2% cashback 5% cashback 2% cashback 5% cashback ¹ CA resident loans made or arranged pursuant to a California Financing Law license.
NMLS # 1353190. ² Earn 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 ³ Klarna on Apple Pay is available in-store on iPhone and online or in apps on iPhone or iPad.
Software requirements apply.
Use Klarna with a service fee between $0.75-$3 issued by WebBank.
For example: a $160 purchase with a $40 down payment and $2 service fee results in a 21.97% APR, followed by three more biweekly payments of $40 (total repayment: $162).
Subject to credit approval; minimum 25% down payment required.
A higher initial payment may be required for some consumers.
CA resident loans made or arranged pursuant to a California Financing Law license.
Paying over time on Apple Pay: Loans/plans 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.
Your loan/plan activity may be reported to credit bureaus by your lending/plan provider, which may affect your credit score.
The availability of your loan/plan may have an expiration date.
Available with Apple Pay in stores on iPhone, and online and in apps on iPhone or iPad.
Additional terms may apply.
For more eligibility and feature details, see Pay with installments using Apple Pay.
To use Apple Pay, you need a supported card from a participating card issuer.
To check if your card is compatible with Apple Pay, contact your card issuer.
Apple Pay is not available in all markets.
View Apple Pay countries and regions.
Features are subject to change.
Some features, applications, and services may not be available in all regions or all languages and may require specific hardware and software.
For more information, see Feature Availability.
Apple Pay is a service provided by Apple Payments Services LLC, a subsidiary of Apple Inc.
