Klarna | Shop now. Pay later.

MANAGE YOUR PAYMENTS. Get a complete overview of your purchases, upcoming payments, and outstanding balance. Stay on track by activating push notification reminders. SHOP AT YOUR FAVORITE BRANDS. Access Klarna's flexible payment options anywhere, and unlock cashback rewards at top stores—exclusively in the Klarna app. You can Pay now, Pay in 4 interest-free payments, Pay in 30 days, or Pay over time. UP TO 10% CASHBACK. Shop in the app and earn up to 10% cashback. No confusing points system—just real cash added to your Klarna balance, ready for your next purchase at any store. GET THE KLARNA CARD. Use Klarna at the coffee shop, mall, or restaurant—wherever Visa is accepted. Pay later or over time, shop abroad without additional foreign exchange fees, and enjoy no monthly or annual fees. UNLOCK YOUR KLARNA BALANCE. Earn money when you shop. Get cashback from Klarna purchases and receive lightning-fast refunds. Open your Klarna balance in minutes for free, add money instantly, and start collecting your cashback. SHOP NOW. PAY LATER. Split the cost of your purchase from any Klarna app store into 4 smaller, interest-free payments. And it works just as easily in-store with Apple Pay. So get what you love today and pay later. NEW DEALS EVERY DAY. Shop and save with exclusive deals and discounts from all over the world, right in the Klarna app. Find a deal you like, claim it with a tap, and check back tomorrow—new offers are added all the time. TRACK ALL YOUR DELIVERIES. Get live updates with delivery times, pickup codes, and even pickup location photos. Track your purchase from store to door in the Klarna app. HASSLE-FREE RETURNS. Need to send something back? Report a return right in the app. We’ll pause your purchase so you don’t have to pay in the meantime. INSTANT SHOPPING CONFIRMATION. No one likes to wait. When you buy something in the Klarna app, you'll see your purchase just seconds after you place the order. 24/7 CUSTOMER SERVICE. Use our chat in the Klarna app for round-the-clock service. DIGITISE YOUR LOYALTY CARDS Klarna is the official successor to Stocard. Unclutter your wallet by scanning the code on your plastic cards within seconds. // CA resident loans made or arranged pursuant to a California Financing Law license. // 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. The Klarna Credit Card is issued by WebBank pursuant to a license from Visa U.S.A. Inc. Terms and Conditions apply to gift certificates/gift cards like Klarna Balance. The Klarna Credit Card is issued by WebBank pursuant to a license from Visa U.S.A. Inc. Terms and Conditions apply to gift certificates/gift cards like Klarna Balance. 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 https://support.apple.com/120477. 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.