Complete List of Stores That Accept Klarna in 2026

When you shop with a retailer who offers Klarna financing, you could qualify for zero-interest financing on your online purchases.

How does Klarna work?

When you shop with a retail partner, you’ll see an option to pay with Klarna at checkout. Select that button to quickly apply for financing. If accepted, you’ll see a list of your financing options through Klarna, which may include 4-month payment plans, 30-day payment plans, or longer term financing. Different promotions apply to different retailers, so check the terms from the specific store you’re shopping.

Compare cash advance alternatives to Klarna:

Select up to 4 products and click “Compare” to see their features side-by-side.

Updated regularly

Finder Score	Max. amount per pay period	Turnaround time	Costs
Promoted Finder score 9.5 Excellent EarnIn	Finder score 9.5 Excellent	Up to $150/day, with a max of $1000 between paydays	1–2 business days standard; minutes with Lightning Speed	Free to use or within minutes with a fee as low as $3.99 per transfer	Access up to $150 per day, with a max of $1000 between paydays. Subject to EarnIn terms & conditions.	Go to siteView details Compare product selection Compare	loading
Promoted Finder score 9.1 Excellent CreditNinja Installment loan	Finder score 9.1 Excellent	$300 to $5,000	1 to 2 business days	APRs over 36% plus fees	Not available in: AK, CO, CT, FL, GA, IL, IA, KY, ME, MD, MA, MT, NV, NH, NJ, NM, NY, NC, ND, OR, VT, VA, WA, WV. Fast online funding up to $5K, but you won't know about rates and terms until after you apply.	Go to siteView details Compare product selection Compare	loading
Promoted Finder score 9.4 Excellent OppLoans Installment Loans	Finder score 9.4 Excellent	$500 to $5,000	As soon as the same business day	99% - 195% APR	Not available in: CO, CT, GA, IA, MD, MA, NY, SD, VT, WV. Comes with the option to change your due date so you won’t fall behind on repayments.	Go to siteView details Compare product selection Compare	loading
Finder score 9.4 Excellent Varo Cash Advance	Finder score 9.4 Excellent	$20 to $500	Instant, once qualified	No membership fee, Flat Fee of $1.6 to $40	Varo Advance (VA) is a small dollar line of credit. Initial limits range from $20-$250. Work your way up to $500 over time. Fees range from $1.60 - $40 based on loan amount and deposits to your Varo Bank Account. No interest is charged. Qualifications Apply.	Go to siteView details Compare product selection Compare	loading
Finder score 8.7 Great Current	Finder score 8.7 Great	$50 to $750	Up to 3 days or within an hour for a fee	Free	Get up to $750 before payday, once you qualify. Paycheck Advance is an earned wage access service and is not a loan or credit product. Subject to Paycheck Advance Terms and Conditions.	Go to siteView details Compare product selection Compare	loading
Finder score 8.2 Great Cleo	Finder score 8.2 Great	$20 to $250	3 to 4 days or instant for a fee.	$5.99 monthly membership fee to access cash advances	Automatically monitor your spending plus access cash advances up to $100 at a time.	Go to siteView details Compare product selection Compare	loading
Finder score 9.4 Excellent Chime MyPay®	Finder score 9.4 Excellent	Up to $500	$2 to $5 for instant transfers	No subscription fees, $2 to $5 instant transfer fee	Plus access up to $500 of your pay before payday fee-free within 24 hours. See Chime terms and conditions.	Go to siteView details Compare product selection Compare	loading

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Compare other products

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How we picked these

What is the Finder Score?

The Finder Score crunches 3+ types of short-term loans across 65+ lenders. It takes into account the product's interest rate, fees and features, as well as the type of loan eg investor, variable, fixed rate - this gives you a simple score out of 10.

To provide a Score, we compare like-for-like loans. So if you're comparing the best short-term loans for all credit types, you can see how each short-term loan stacks up against other short-term loans with the same borrower type, rate type and repayment type.

Read the full breakdown

Alternatives to Klarna

A credit card is your best bet if you’re looking for a way to pay off a purchase over time at low or 0% interest. There is no shortage of excellent credit cards that offer low interest on purchases or even intro periods of 0% interest between 6 and 21 months, and you’ll still find a fair selection of cards with even fair credit.

Written by

Gabrielle Pastorek

Publisher, Banking, Investing & Credit Cards

Gabrielle Pastorek is an SEO strategist and publisher at Finder, specializing in banking, investing and credit cards. She's written more than 800 articles on the site and is a quoted expert in Best Company, HuffPost, Reader's Digest, MSN and MarketWatch. She's secured interviews with key stakeholders in the consumer insights industry, including a senior director at the National Retail Federation. Gabrielle has edited several creative manuscripts and holds an MFA from the University of Pittsburgh and BAs in English and French from Ohio University. See full bio