Shop anywhere, manage payments, get cashback, discover the Klarna Card & more. Klarna lets you compare prices & split your purchase into 4 interest-free payments, making purchases more manageable. Find deals on millions of products. Discover the costs of using Klarna , from "Pay in 4" to "Financing," and learn how it compares to PayPal, Afterpay, and Affirm. Understand the interest, fees, and how it might affect your credit score to make informed decisions and avoid potential downsides. The Klarna app puts you in control of your payments, making it easy to manage every purchase in one place. Enjoy flexible payment options that let you shop anywhere—even at stores not partnered with Klarna —and pay in a way that fits your budget. Earn up to 10% cashback on your purchases, view upcoming payments, and stay organized with real-time updates. We've also made some minor updates and fixes.