Klarna Pay Later in 4 Agreement

The following terms and conditions represent an agreement between the lender, Klarna Inc., located at 629 N. High St. Suite 300, Columbus, OH 43215 ("Klarna," “we," or "us") and the user of this payment option ("you" as the borrower, under the name and address provided when you agreed to use this payment option), entered into the date you agree to use this payment option for your purchase.

How it works

Use your own valid debit or credit card, or other accepted payment method, to pay (no prepaid cards).

The first payment is charged when the merchant confirms your order (this is usually the shipping date for online orders).
The next 3 payments are automatically made every 2 weeks after your Initial Payment (first Installment Payment due at least 15 days after Initial Payment for California residents).

Klarna charges no interest with Pay Later in 4 and no fees unless you fail to make a payment.
If you return or cancel any part of your purchase, you may get a refund from Klarna depending on how the store handles returns and cancellations. If you are due a refund from Klarna on a returned or cancelled order, we will refund the balance back to your original payment method.
If you have questions about the quality or shipping of your order, please contact the merchant where you made the purchase.

A Late Fee of up to $7 may be charged if any scheduled payment remains unpaid after 10 days (the total of late fees charged on an order will never exceed 25% of your Total Purchase Amount).

Depending on your payment method, your financial institution may charge you interest or fees under your agreement with them. If you have any questions about those charges contact your payment method provider.