Paying with Klarna and PayPal Installments

About Klarna

Elevate your shopping game when you choose to pay with Klarna at checkout. Spread the cost of your purchase over time with equal payments. It's shopping the way it should be. Effortless, safe and fun.

When you pay with Klarna, your first of four payments will be charged once your order ships. Every two weeks, the remaining three payments will be automatically deducted from your chosen payment method.

How to Use Klarna

  • Step 1

    Add item(s) to your cart and head to the checkout.

  • Step 2

    Select Klarna at checkout and spread your payments over time.

  • Step 3

    Manage your orders and payments in the Klarna app.

Klarna FAQ

What is Klarna?

Klarna is an alternate payment method that lets you split your purchase into 4 interest-free payments.

What are 4 equal payments with Klarna?

Your purchase will be split into 4 equal payments, so you can spread the cost of your purchase over time. Enter the credit or debit card of your choice for automatic payments every 2 weeks. There are no fees when you pay on time. It’s that easy.

How do I use Klarna?

Shop as you normally would, and head to checkout when you're ready.

At checkout, you can select Klarna as your payment method. When your order is ready to ship, you will be charged the first of 4 payments. Klarna will notify you when your payment is processed, and they’ll let you know ahead of time before your next payments go through.

What is the minimum purchase for Klarna?

To use Klarna, your order subtotal must be equal to or greater than $30.00 (after coupons applied).

What are the requirements to use Klarna?

To sign up for Klarna, you’ll need:

  1. A Canadian debit or credit card.
  2. To be 18 years of age or older.
  3. An SMS-capable phone number.
  4. A Canadian residential address.

Klarna currently accepts most debit and credit cards (Mastercard, Visa, AMEX, Discover). However, prepaid cards are not accepted.

What if I need help or have questions about my Klarna payments?

You can see all of your purchases in one place, pay any open balances and much more in the Klarna app.

You can also log into your Klarna account at https://app.klarna.com/login. If you need any help, Klarna Customer Service is always there for you.

How does the payment schedule work for Klarna?

When your order ships, the first payment will be taken from the debit or credit card of your choosing.

The remaining three payments will be automatically charged every two weeks.
See payment terms here.

If you'd like to pay off your purchase early, you can log in at the top of the Klarna page, go to the order page, and select “Pay off early”.

Where can I find out more about Klarna?

You can find out more about Klarna's terms, purchase payment agreement, and privacy policy (not to mention a list of FAQs) on their website HERE.

Buy Now, Pay Later with PayPal

Divide your purchase into interest-free installments with the power of Pay in 4 or Pay Monthly. Shop with the ease of knowing it won't impact your credit score. Enjoy Purchase and Fraud Protection on eligible purchases.

PayPal Pay Later Options

  • Pay in 4

    Interest-free, bi-weekly payments

    One payment down, 3 more to go. Split purchases between $30-$1500 into 4 interest-free, bi-weekly payments without the stress of late fees.

    • For smaller purchases
    • 4 interest-free payments over 6 weeks
    • No late fees; interest-free

    Available for qualifying purchases of $30- $1,500.

  • Pay Monthly

    Spread payments up to 24 months

    Buy bigger, breathe easier. Enjoy the flexibility of 6, 12, or 24-month payment plans, $0 down, and no sign-up or late fees.

    • For larger purchases
    • Monthly installments
    • No late fees

    Available for qualifying purchases of $199- $10,000.

PayPal Pay Later FAQ

  • Choose PayPal at Checkout

    Then select Pay Later before picking a payment option.

  • A decision in seconds

    Choose the installment plan that works for you.

  • Checkout securely

    Easily manage payments with autopay.

  • Make the remaining payments

    Pay with the PayPal app or online.

PayPal Pay Later FAQ

What is Pay in 4 or Pay Monthly?

PayPal offers you the flexibility to divide your purchase into interest-free installments with the power of Pay in 4 or Pay Monthly.

Learn more about Pay in 4 and Pay Monthly with PayPal Pay Later.

Will you pull my credit when applying for PayPal Pay Later?

When applying, a soft credit check may be needed, but will not affect your credit score.​ You must be 18 years old or older to apply.

Does Pay in 4 or Pay Monthly charge interest and fees?

Pay in 4 is always interest-free, with no late fees or signup fees. With Pay Monthly, you may pay interest depending on your APR, and you won’t pay any late fees or signup fees.

Can I pay early with monthly payments?

Yes, you can view your Pay Monthly remaining balance in the PayPal app by clicking Pay Later. There you can make additional payments as desired or pay off the loan in full at any time and you won’t be charged a fee or penalty if you do so.

What is the minimum purchase for PayPal Pay Later?

To use Pay Later, your order subtotal must be equal to or greater than $30.00 (after coupons applied).

Why use buy now, pay later?

Buy now, pay later is an excellent option if you want to make a large purchase more affordable by paying it off over time. Get what you want and break the payments up over weeks or even months.

Where can I find out more about PayPal Pay Later?

You can find out more about PayPal's Pay Later terms, purchase payment agreement, and privacy policy (not to mention a list of FAQs) on their website. Learn more about PayPal Pay Later.