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 buy now, pay later services
To check out how Klarna stacks up against other BNPL platforms, select up to 4 and click “Compare” to see their features side-by-side.
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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.
Up to $300 cash back with direct deposits: New Customers Only. Cash back is earned as OnePay Points, redeemable as a deposit into a OnePay Cash account pursuant to the OnePay Rewards Terms. To stay eligible for the bonus, you must receive at least $1,500 in direct deposits in each month of two consecutive months within your bonus term. If you fall below that amount in either month, you will not earn any cash back. The amount of cash back you earn is based on the amount of direct deposits received in each month. Any cash back earned will be issued as a single payout after your second month. Customers are limited to receiving one Starter Bonus. See full terms for details. OnePay is a financial technology company, not a bank. Banking services provided by Coastal Community Bank or Lead Bank, Members FDIC. 10% cash back at Walmart: Only available to customers who initiate their account application through certain channels from 3/21/25 - 9/30/25. Cash back earned as OnePay Points. See terms at onepay.com/10percent. 3% cash back at Walmart: Cash back is earned as OnePay Points, redeemable as a deposit into a OnePay Cash account pursuant to the OnePay Rewards Terms. Only applies to OnePay Cash accounts that have either (i) received Direct Deposit totaling $500+ in the current or previous month, or (ii) have a balance of $5,000+ as of the last day of the previous month. This reward applies to purchases at U.S. Walmart locations and on Walmart.com only and may not be combined with other OnePay Cash promotions for cash back at Walmart. Early Pay: Get paid up to 2 days early. Direct Deposit is required. Funds may be available up to 2 days in advance, depending on when your employer sends paycheck data. 3.75% APY on Savings with eligible deposits: 3.75% annual percentage yield (APY) applies to the Savings balance of OnePay Cash accounts that have either (i) received $500+ of Direct Deposit in the current or previous month or (ii) have a balance of $5,000+ at the end of the previous month. 3.75% APY is also earned on Pay Autosave balances without deposit or balance requirements. 3.75% APY is limited to a total Savings balance of up to $250,000. All other Savings balances will earn 1.00% APY. APYs are as of 12/20/2024, but may change at any time before or after account opening. ATM: Only applies to OnePay Cash accounts that have either (i) received Direct Deposit totaling $500+ in the current or previous month, or (ii) have a balance of $5,000+ at the end of the previous month. For all other ATM transactions the OnePay ATM Fee will apply and third-party ATM fees may be incurred. Overdraft Protection: Available to OnePay Cash accounts that have either (i) received Direct Deposits totaling $500+ in the current or previous month, or (ii) have a balance of $5,000+ at the end of the previous month. You must be 18 or older to receive Overdraft Protection. When on, Savings Backup will be used before Overdraft Protection. Overdraft balance is due right away. Transactions eligible for Overdraft Protection are at the discretion of OnePay and may exclude certain transactions (e.g., bill pay, global transfers). See details.
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
Finance your online purchase with this alternative to credit cards, available at 150+ stores.
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Finder.com is an independent comparison platform and information service that aims to provide you with the tools you need to make better decisions. While we are independent, the offers that appear on this site are from companies from which Finder receives compensation. We may receive compensation from our partners for placement of their products or services. We may also receive compensation if you click on certain links posted on our site. While compensation arrangements may affect the order, position or placement of product information, it doesn't influence our assessment of those products. Please don't interpret the order in which products appear on our Site as any endorsement or recommendation from us. Finder compares a wide range of products, providers and services but we don't provide information on all available products, providers or services. Please appreciate that there may be other options available to you than the products, providers or services covered by our service.
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