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What are 4 interest-free installments from Klarna?

4 interest-free installments allow you to split purchases into 4 payments automatically charged to your debit or credit card every 2 weeks. There is no interest, and no catch. It’s that easy. Learn more.


How do I sign up for 4 interest-free installments?
There’s no sign up required! If your order is eligible to pay in 4 interest-free installments, the option will be presented at checkout, and there’s no need to enter extra information. Simply choose 4 interest-free installments as your payment method at checkout and enter your credit or debit card information. This is the card we'll use for your scheduled automatic payments.


How much am I eligible to spend?

To ensure safe spending practices, each new purchase is evaluated by our system to determine approval. This takes into account many different factors, including how long you have been shopping with Klarna and how many purchases that have been made and successfully paid back. Meaning, the longer you have been using our 4 interest free installments feature, and the more orders you have successfully repaid according to your payment schedule, the more likely you will be able to spend more. Minimum spend is $35.00.


Is there a cost for paying in 4 interest-free installments?
There are no added costs when using this payment option.
Is there a late fee for 4 interest-free installments?

If we are unable to collect a biweekly payment on the scheduled day, we will try again. If the payment is unsuccessful when we retry, a late fee of up to $7.00 and the missed payment will be added to the next scheduled payment. To keep you in the loop, we'll send you an email notification if your payment was unsuccessful.


Which payment methods are accepted by 4 interest-free installments?
Klarna currently accepts all major debit and credit cards (i.e. Mastercard, Visa, AMEX, Discover). Please note, prepaid cards are not accepted.


Is this different from credit?
4 interest-free installments from Klarna is an alternative to traditional credit. This means no interest, meaning you will never pay more than the amount of your purchase!


Will this impact my credit score?

When you choose to pay in 4 interest-free installments, we may perform a soft credit check. This type of check will not impact your credit score and it will not show up as a hard inquiry on your credit report.

Can I change my scheduled payment date?
At this time, we’re unable to change your scheduled payment date, however, you can pay off your balance early through the ‘Purchase’ or ‘Pay’ tabs in the app.


What if I need to change the card on file?

Select "Purchases" in the app and find the order that you need to change the card on file. Choose “Show plan”, then “Change” and enter your new card details. That’s it!


What do I do if the automatic payment fails?

If your automatic payment fails, you’ll be sent a notification via email on how to pay the remaining balance.


What happens if I get into financial trouble, and can’t handle repayments?

If you get into trouble, please reach out to our customer service team and they’ll be happy to look into the options we have available. You can contact customer service directly in the app or on the website.


What happens when I buy multiple items in one order with 4 interest free installments?

Paying in 4 interest free installments makes shopping easier than ever. You’ll never pay for an item until it's been shipped. If you have multiple items in an order and they are shipped separately, you will have an installment plan for each shipment. The perk? You'll never be in a situation where you pay for an item that you haven't received. For example: You order 3 items from a retailer for $100.00. The first item for $40.00 ships, you receive a shipping confirmation from the retailer and an installment confirmation from Klarna for 4 payments of $10.00. One week later, your remaining 2 items worth $60.00 ship. You receive another email from the retailer and another email from Klarna with an installment confirmation of 4 payments of $15.00.


I returned my purchase, what happens next?

We've got you covered! If the store you purchased from issues a return credit for the full purchase amount, any payments already made will be refunded to your original payment method and your remaining payments will be cancelled. If the store credits less than the full purchase amount, the order balance will be updated. If the return credit causes the order to be overpaid, the overpaid amount will be automatically refunded to your original payment method. Otherwise, your upcoming payments will continue to be collected until the remaining balance is paid off. You can check the status of return credits and refunds anytime by logging in online or in the Klarna mobile app.


Two payments have been charged to my credit or debit card, but only one payment appears on my account. Why is this?

As part of our approval process, we may conduct a pre-authorization on your specified card to ensure it is not being used fraudulently. The amount charged will never be greater than your first installment due for the order. The pre-authorization is immediately voided or reversed by Klarna, which means that the funds should not be withheld from your account. Please note, this is not a charge, and Klarna does not receive any funds associated with the pre-authorization.