How It Works

1

Add your favorite things to
your cart, and select Klarna when
you’re ready to check out.

2

Enter your credit
or debit card details and
complete your checkout.

3

You’ll receive email confirmation,
plus reminders for upcoming payments.
(And if you’d like to pay off
your purchase early, you can.)

4

Enjoy!

FAQs

Klarna is an alternate payment method that allows you to split your purchase into 4 interest-free payments. The first payment will be taken from your credit or debit card when your order is shipped. The remaining three payments will be automatically charged to your card 14, 28 and 42 days later. To use Klarna to pay for your purchase, choose Klarna at checkout.


Monthly financing through Klarna issued by WebBank, member FDIC. Other CA resident loans made or arranged pursuant to a California Financing Law license. For further information click here.

To sign up, you will need:

  1. A US-issued debit or credit card. Klarna currently accepts most debit and credit cards (i.e., Mastercard, Visa, Discover). Please note, prepaid cards are not accepted.
  2. To be 18 years of age or over.
  3. An SMS-capable phone number.
  4. A US residential address.

Purchases greater than or equal to $35 or less than or equal to $2500 are eligible for Klarna.

Yes. If you want to pay the outstanding balance of your purchase early, simply log in at the top of Klarna's homepage, go to the order page and select "Pay Off Early".

No. If your order is cancelled, you will not be charged.

You can reach Klarna customer service anytime by calling 844-KLARNA1 (844-552-7621) or you can live chat with Klarna's customer service agents 24/7 to request that your contact details be updated. Please quote your statement number if you have received a statement by post. https://www.klarna.com/us/customer-service/.

When you choose to pay over four (4) interest-free payments, Klarna may perform a soft credit check. This type of credit check will not impact your credit score.

Yes, kate spade new york gift cards can be used with a Klarna purchase. If you use your KSNY gift card and still have a remaining balance, you can use Klarna to cover the remainder.

You can setup Apple Pay or Google Pay for the Klarna digital credit card created on the Klarna app. In stores accepting Apple Pay or Google Pay, the Klarna payment will be no different from any other contactless option.

You can reach Klarna customer service anytime here or by calling 844-KLARNA1 (844-552-7621). You can also download the Klarna app to manage your payments directly.