Klarna financing
Klarna
Klarna is one of the world's leading Buy Now, Pay Later (BNPL) payment solutions, enabling shoppers to pay immediately, later, or in installments while helping merchants improve conversion rates and reach more customers across Europe and North America.
Available Payment Options
Pay Now
Customers pay immediately using bank transfer, direct debit, debit cards, or credit cards depending on their market.
Pay Later
Customers can receive their goods first and complete payment within 30 days after shipment.
Financing
Long-term installment plans ranging from 3 to 36 months, subject to country availability and customer eligibility.
Pay in 3 / Pay in 4
Interest-free installment payments split into 3 or 4 equal payments, depending on the supported market.
Supported Markets
| Country | Currency | Pay Now | Pay Later | Financing | Pay in 3 / 4 |
|---|---|---|---|---|---|
| Germany | EUR | Direct Debit, Bank Transfer, Debit/Credit Card | 30 Days | 6–36 Months | - |
| Netherlands | EUR | Direct Debit, Bank Transfer | 30 Days | - | Pay in 3 |
| Austria | EUR | Direct Debit, Bank Transfer | 30 Days | 6–36 Months | Pay in 3 |
| Belgium | EUR | Bank Transfer | 30 Days | - | - |
| Sweden | SEK | Direct Debit, Bank Transfer, Debit/Credit Card | 30 Days | 6–36 Months | - |
| Finland | EUR | Bank Transfer | 30 Days | 6–36 Months | - |
| Norway | NOK | Bank Transfer, Debit/Credit Card | 30 Days | 6–36 Months | - |
| Denmark | DKK | Debit/Credit Card | 30 Days | - | Pay in 3 |
| United States | USD | Debit/Credit Card | 30 Days | 3–24 Months | Pay in 4 |
| United Kingdom | GBP | Debit/Credit Card | 30 Days | 6–36 Months* | Pay in 3 |
| Switzerland | CHF | Bank Transfer | 30 Days | - | - |
| Ireland | EUR | Debit/Credit Card | - | - | Pay in 3 |
| France | EUR | Debit/Credit Card | 30 Days | - | Pay in 3 |
| Spain | EUR | Debit/Credit Card | 30 Days | - | Pay in 3 |
| Italy | EUR | Debit/Credit Card | 30 Days | - | Pay in 3 |
| Portugal | EUR | Debit/Credit Card | - | - | Pay in 3 |
| Poland | PLN | Debit/Credit Card | 30 Days | - | Pay in 3 |
| Czech Republic | CZK | Debit/Credit Card | - | - | Pay in 3 |
| Hungary | HUF | Debit/Credit Card | 30 Days | - | Pay in 3 |
| Greece | EUR | Debit/Credit Card | - | - | Pay in 3 |
| Romania | RON | Debit/Credit Card | - | - | Pay in 3 |
*Financing in the United Kingdom requires a Credit Broker License. Availability of payment methods and financing options may vary based on customer eligibility and Klarna's real-time risk assessment.