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Pay yourway withKlarna
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
Use Klarna anywhere you shop
Why use Klarna
Enjoy secure shopping, lightning-fast checkout, and flexible payment options that suit your budget.
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.
Shoppers love Klarna
111+ 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.
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 Paying 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 here.
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.
⁴ Klarna Debit Flex Card is issued by Webbank, Member FDIC. 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.
⁵ See payment terms. A higher initial payment may be required for some consumers. CA resident loans made or arranged pursuant to a California Financing Law license. NMLS #1353190.
⁶ A $1,000 purchase might cost $173.53 per month over 6 months at 13.99% APR. Rate ranges from 0.00%-35.99% APR based on creditworthiness, term length, and subject to credit approval, resulting in, for example, 3 equal monthly payments of $333.33 at 0.00% APR to $353.52 at 35.99% APR per $1,000 borrowed. Minimum purchase amount and down payment may be required. Estimation of monthly payment excludes potential tax and shipping costs. Monthly financing through Klarna issued by WebBank.
⁷ Exclusions apply.