Shop Apple with flexible payments.
Shop Apple products with payment options that fit your budget.
Low monthly payments with the option to upgrade eligible products and apply for a new payment plan.
Split your purchase into 4 interest-free payments, paid automatically every 2 weeks.^
Pay for what you love right away. Fast and secure, with buyer protection.†
Upgrade Financing
Low monthly payments on Mac laptops, iPad, and Apple Watch with APRs ranging from 0.00% to 35.99%. At the end of your plan, you can upgrade to a new device, make a final payment to keep it, or simply return it—it’s your choice.*
Pay in 4
Split your purchase into 4 interest-free payments, collected automatically every 2 weeks with no fees when you pay on time. Stay in control of your spending.
Pay in full
Pay instantly for your purchase - no credit check, no fees. All of the ease and convenience you expect, plus, enjoy peace of mind with Klarna's buyer protection.†
Popular products
Shoppers love Klarna
100+ million people love to shop and pay with Klarna anywhere.
"Klarna is the best to pay over time and the upgrade finance option with Apple is the best deal !"
Mario, January 2025
"Love the convenience and auto payments to repay back quickly."
Rosa, June 2025
"Super convenient and easy!! Haven’t had any issues getting approved, set-up or making payments. Would recommend"
JC, June 2025
"I love the convenience and ease of Klarna, never any hassles along with being able to pay sooner if I need to as well!"
Traci, June 2025
"Great and easy way of making big purchases"
James Bing, August 2025
Customer reviews reflect their personal experience and opinion.
Showing our 5-star reviews.
Frequently asked questions
Questions about paying with Klarna? Find your answers below. For any further help or trouble-shooting, please contact customer service.
To be eligible to use Klarna you must:
Be a resident of the United States or its territories with a valid U.S. address.
Be at least 18 with a valid Social Security Number (SSN).
Have a valid card/bank account.
Be able to receive verification codes via text.
Apple Watch, iPad, and Mac laptops are eligible for Upgrade Financing, allowing you to make low monthly payments with the option to upgrade your device and apply for a new payment plan. These products—in addition to other Apple devices including iPhone, AirPods, and accessories—can also be paid for in full, monthly, or split into 4 interest-free payments.
You can pay in full with no fees, or use Pay in 4 with no interest when payments are made on time. Upgrade Financing may include interest depending on your credit. Terms will always be shown before you complete a purchase.
Klarna will run a soft credit check to determine your eligibility for payment plans. This credit check doesn’t affect your credit score and you’ll see the full cost up front.
All your payments, due dates, and purchase history can be managed easily through the Klarna app or by logging into your Klarna account at klarna.com. You’ll also get timely reminders before each payment.
Yes—Klarna uses industry-leading security and encryption to keep your information safe. You’re also covered by Klarna’s Buyer Protection policy for extra peace of mind.
* Based on 0.00% APR, only available to qualified customers with excellent credit history and subject to credit approval. A down payment may be required. Actual APR ranges from 0.00% - 35.99% and is based on credit worthiness and subject to credit approval. At the end of the 24 or 36 month period identified above, you would either trade in your device with the option to upgrade, or keep it by paying off the remaining loan balance. For example: You can purchase the iPad Air M2 128GB 11inch by paying from $17.99 per month for 24 months at the example 0.00% APR. At that point, you can either trade in the device with an option to upgrade, or keep it by paying the loan balance of $167.24. If you keep the device, you have the right to refinance the final payment, subject to credit worthiness. For a trade-in to pay off the remaining balance, the device must be in good working condition. More details can be found in the Upgrade Financing Terms and Conditions. Upgrade Financing is only available for iPad, Apple Watch and Mac laptops and is not available for iPhone, Mac or Accessories. Upgrade Financing issued by WebBank.
^ See payment terms. A higher initial payment may be required for some consumers. CA resident loans made or arranged pursuant to a California Financing Law license. NMLS #1353190.
† Exclusions apply. Learn more at https://www.klarna.com/us/buyer-protection/