Shop Apple with flexible payments.
Shop Apple products with payment options that fit your budget.
Payments that work for you
Pay in 4
Split your purchase into 4 interest-free payments, paid automatically every 2 weeks.^
Pay over time
Get even more time to pay.
Break up the cost into smaller monthly payments.
Pay in full
Pay for what you love right away. Fast and secure, with buyer protection.†
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 over time
Need more time to pay? Simply spread the cost over smaller monthly payments. 3-24 month options are available.*
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.
"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.
You can pay in full with no fees, or use Pay in 4 with no interest when payments are made on time. Pay over time 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.
* Annual Percentage Rate (APR) ranges from 0.00%-35.99% APR based on creditworthiness, term length, and subject to credit approval, resulting in, for example, 3 equal monthly payments of $333.33 at 0.00% APR to $353.52 at 35.99% APR per $1,000 borrowed. Minimum purchase amount and down payment may be required. Estimation of monthly payment excludes potential tax and shipping costs. Monthly financing through Klarna 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/