35 Online Stores that Accept Klarna (Buy Now, Pay Later)

Usually, the consumer pays the first installment immediately, which is often known as a down payment, and then pays the rest of the cost in installments over time. BNPL financing is, generally, interest free and easier to get approved for compared to traditional lines of credit. Sometimes, BNPL is called a “point of sale installment loan.”

Although BNPL plans do not usually affect your credit score, late payments or failing to pay can negatively impact your credit score.

Klarna is a well-known and well-reviewed buy now, pay later company. With Klarna Pay in 4, you can split the cost of purchases into installments.

Here’s what Klarna Pay in 4 has to offer:

• Use online or in-store
• Spilt any purchase into 4 interest-free payments.
• Pay 25% upfront.
• Everyone has a different total spending limit that is based on their finance history. Klarna only lends what’s appropriate for you, and it doesn’t accept customer-initiated requests for more credit.
• Klarna runs a soft credit check, and these do not affect your credit score.

If you use the Klarna Financing option, which is currently available with select retailers, it will run a hard credit check. However, Klarna does not run a hard credit check for the Pay in 4 option.

The Klarna app is really popular with hundreds of thousands of reviews on both the App Store and the Google Play store. It’s well-reviewed by consumers too. It has a rating of almost 5-stars on both app stores.

Here’s where you can get the app:

• iOS
• Android

For a more in-depth explanation, read my Klarna review where I explain how Klarna works.

Stores that Take Klarna

Klarna can be used in a huge variety of stores across multiple different categories. Whether you are looking to buy clothing, makeup, kid’s clothing, gaming consoles, furniture, or skincare products, you can find stores that take Klarna in lots of different categories.

Here are 35 stores that take Klarna.

1. Anthropologie – Women’s clothing, accessories, and shoes, and homeware.
2. Bed, Bath & Beyond – Bedding, bath, cookware, and home décor.
3. Benefit Cosmetics – Makeup products.
4. Bloomingdale’s – Luxury department store offering designer clothing, handbags, accessories, home items, and more.
5. BuyBuy Baby – Items for baby’s and young children, such as strollers, highchairs, and toys.
6. Charlotte Tilbury – Makeup and skincare products.
7. Etsy – Handmade, vintage, antique, and custom items.
8. Fitbit – Activity trackers.
9. Forever 21 – Trendy clothing, shoes, jewelry, and accessories.
10. Gamestop – Games consoles, collectibles, and video games.
11. Garmin – Activity trackers and sports watches.
12. GoDaddy – Website domains and hosting.
13. H&M – Women’s, kid’s, and men’s clothing and homeware.
14. Harley-Davidson – Motorcycles and motorcycle parts.
15. Huffy – Men’s, women’s, and kids’ bikes, scooters, and battery ride on toys.
16. JCPenney – Department store offering clothing, furniture, and items in lots of other categories.
17. JOANN – Fabrics and crafts.
18. LG – TVs, home entertainment, and kitchen appliances.
19. Macy’s – Department store offering clothing, homeware, jewelry, furniture, and products in many other categories.
20. Microsoft – Computers, apps, and gaming.
21. Nike – Casual and athletic clothing, shoes, sneakers, and accessories.
22. Petco – Pet supplies, pet food, and pet products.
23. Ray Ban – Sunglasses and eyeglasses.
24. Saks Fifth Avenue – Department store offering luxury fashion, designer clothing and homeware.
25. Sephora – Makeup, skincare, fragrance, hair, and beauty products.
26. SHEIN – Women’s, men’s, kid’s, and plus size clothing and beauty products.
27. Sonos – Wireless speaks and home sound systems.
28. Space NK – Luxury beauty products, skincare and makeup.
29. The Vitamin Shoppe – Vitamins, supplements, and protein powders.
30. Tommee Tippee – Baby products, such as baby bottles and pacifiers.
31. Udemy – Online courses.
32. Urban Outfitters – Clothing, home décor, beauty, books, and vinyl.
33. Vitamin World – Vitamins, nutritional supplements, and herbs.
34. Wayfair – Furniture, kitchen products, home décor, and appliances.
35. Wish – Various items, like tech, clothing, and home décor, at affordable prices from merchants around the world.

Things to Consider When Using Buy Now, Pay Later Apps like Klarna

Buy now, pay later apps can be great because they let you pay for stuff in installments. Sometimes we just don’t have the cash to pay for an item all at once or we’d prefer to keep the money in our bank for as long as possible.

So, buy now, pay later apps can come in handy. Klarna doesn’t charge interest, provided that you pay off your balance in full on time. Also, it’s possible to get approved for BNPL financing even if you don’t qualify for other loan options due to a low credit score.

Finally, BNPL does not affect your credit score.

So, it seems as though BNPL apps like Klarna are pretty awesome.

Sadly, there are some things to be aware of when using this form of financing.

Recently, the Consumer Financial Protection Bureau (CFPB) opened an inquiry into buy now, pay later credit.

CFPB Director Rohit Chopra said:

• “Buy now, pay later is the new version of the old layaway plan, but with modern, faster twists where the consumer gets the product immediately but gets the debt immediately too. We have ordered Affirm, Afterpay, Klarna, PayPal, and Zip to submit information so that we can report to the public about industry practices and risks.”

One of the main concerns with companies like Klarna is the risk of consumers getting into debt.

Because of how easy it is to get these loans, consumers can end up spending more money than anticipated.

In the past, installment plans were mostly used for the occasional big purchase. BNPL, however, can be used for every day, discretionary buying.

If you have multiple purchases on multiple payment schedules, then it can be tough to keep track of when payments are scheduled.

What you don’t want is to end up not having enough money to pay for your installments, as this can result in late fees or interest charges from the BNPL app and/or charges from your bank.

That’s why, when using BNPL apps, you should keep track of the number of BNPL plans you have running and when payments are due.

Klarna allows you to view your payment plan in the app, so you can keep track of your installment payments.

Here’s how you can view all your payment plans:

• Go to My Klarna
• Tap “Payments” to see your orders
• Select an order to view your payment plan

Make sure you stay up to date with installment payments.

Takeaway

If you want to split the cost of your purchases, then try the stores that accept Klarna on the list above.

Just be careful not to overuse BNPL financing.

You can end up missing payments or not having the cash to pay for future installments. Only use BNPL apps if you know that you can afford to pay for the product at a later date and if you can make your payments on time.

Sure, Klarna is great in that it offers financing that is way easier to qualify for than a credit card and it doesn’t charge interest, but you want to ensure that you have enough cash to pay for future installments.

If you can pay off the installments on time, then using Klarna can be a great option, so give the stores above a try!