You want to spread a purchase over six weeks without interest. Klarna app’ Pay in 4 does that. You pay 25% today.
You pay three equal installments every two weeks. You owe no interest if you pay on time. Late payments can trigger fees.
Approval is determined on a case-by-case basis, based on your purchasing history and order details.
What is the Klarna App’ Pay in 4
It’s a short-term installment plan. It’s not a credit card. It uses a soft check in most cases.
You connect a debit or credit card for repayments.
Klarna charges the first 25% immediately. It schedules the next three charges at weeks 2, 4, and 6.
You can view dates in the app. You can pay early anytime.
Where Can You Use It
You have two paths to use the Klarna app’ Pay in 4.
Partner stores
At checkout, select Klarna. Choose “Pay in 4.” Confirm the plan.
You pay 25% now. Klarna bills the rest on schedule.
This path is simple and avoids extra service fees.
Non-partner stores (one-time card)
Open the Klarna app. Create a virtual one-time card for your cart total. Use it like a Visa card at checkout.
Your payments still follow the 4-installment schedule. Klarna may add a small service fee on the first installment for non-partner use.
The app shows it before you confirm. If you shop often at non-partners, Klarna offers a paid membership that usually waives these service fees.
Prices, Fees, and Limits to Know (U.S.)
Klarna app’ Pay in 4 charges some fees.
- Interest (Pay in 4): $0 when you pay on time.
- Late fee (Pay in 4): Up to $7 per late installment after a grace period. Total late fees on an order are capped at 25% of the order value.
- Service fee at non-partners: A small fee may apply to the first installment when you use a one-time card. Klarna does not publish a single fixed amount for all stores. The app displays it before you accept. Membership plans can waive it; confirm current monthly price and waiver rules in-app.
- Monthly financing (not Pay in 4): Some checkouts offer longer terms (e.g., 6–24 months). APR ranges from 0%–33.99% depending on offer and credit. This is different from Pay in 4. Read the total cost before accepting.
Eligibility and Approvals
Approval is real-time. Klarna considers your repayment history, open balances, the order amount, and store risk.
Approval can change from one order to the next. There is no fixed spending limit. The app may show a “purchase power” estimate.
Treat it as a guide, not a guarantee. Keep your record clean. Pay on time. Avoid too many open plans at once.
Step-by-Step: Split any Online Purchase into Four
Use the Klarna app’ Pay in 4 with these clear steps.
- Install and set up. Download the Klarna app. Verify your identity. Add your repayment card (debit or credit).
- Choose the store. If it’s a partner, just pick Klarna at checkout and select “Pay in 4.” If it’s a non-partner, switch to the app, create a one-time card for your exact cart total, and copy it into the payment screen.
- Confirm the plan. Review the installment dates and the first charge. If there is a service fee (non-partner), you will see it before you accept.
- Complete checkout. Klarna charges the first 25% immediately. Save your order confirmation and receipts.
- Track and manage. Turn on push alerts. View schedules, due dates, and payoff options in the app. Pay early if you want to close the plan sooner.
Returns, Cancellations, and Delivery Issues
If you return an item, start the return with the store first. Then open the order in the Klarna app and mark it as returned.
Add tracking details. Klarna usually pauses your plan while the store processes the refund.
If the store approves a full refund, Klarna sends money back to the original payment method or adjusts remaining installments.
For partial returns, it reduces future payments or issues a partial refund. For late, damaged, or missing deliveries, use the app’s “report a problem.”
Using the Klarna App in Physical Stores
Some retailers accept Klarna in-store directly. Ask at the register if Klarna is supported.
If not, you can still use a one-time card from the app where a standard card is accepted.
You can also add the one-time card to your mobile wallet, where supported. The same Pay in 4 schedule applies.
Service fee rules for non-partners still apply unless waived by your membership.
If You Can’t Pay on Time
Act quickly. Make the payment as soon as possible.
Klarna can charge a late fee up to $7 per missed Pay in 4 installment, subject to the 25% total fee cap for that order.
Repeated late payments can reduce your purchasing power and may lead to collections.
Keep your funding card active and funded on due dates. If your card is expiring, update it before the next charge.
Credit Checks and Your Credit File
For Pay in 4, Klarna typically uses a soft inquiry. It does not charge interest for on-time payments.
For longer-term financing, Klarna may use different checks and may report activity depending on the product and region.
Read the credit disclosure at checkout. Confirm APR, fees, and any reporting before you accept a monthly plan.
Practical Ways to Avoid Fees and Overspending
Use alerts and turn on app reminders for due dates.
Prefer partner stores. This avoids one-time card service fees.
If you often buy at non-partners and see service fees, compare your expected monthly fees against the membership price shown in-app.
Return fast. Log returns with tracking in the app to pause charges while the store processes the refund.
Common Mistakes to Avoid
Accepting a plan without reading the schedule and fees. Opening too many Pay in 4 plans at once.
Ignoring returns in the app after sending back a package. Letting the funding card expire or fail without updating it.
Confusing Pay in 4 (interest-free) with monthly financing (APR applies).
Bottom Line
Use the Klarna app’ Pay in 4 when the total fits your six-week budget. Keep due-date alerts on. Fund your card before each charge.
Prefer partner stores to avoid service fees, or evaluate a membership only if it saves more than it costs.
If a checkout option shows monthly financing, read the APR and total dollar cost before accepting.
