Pay in 4
Split your purchase into 4, interest-free payments. Your first payment is due at checkout, the remaining payments are due every 2 weeks*.
Get what you love now.
Pay over time.
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You’re in control
Shop and pay on your terms with flexible payment options.
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No surprises
Know exactly what you’ll pay and when—with no fees when you pay on time.
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Hassle-free
It’s quick to check out, and remaining payments are processed automatically.
Many ways to pay
How it works
Shop all the things you love
Terms and Conditions
*Klarna Financing: A $1,000 purchase might cost $176.52 per month over 6 months at 19.99% APR. Rate ranges from 7.99%-35.99% APR based on creditworthiness, term length, and subject to credit approval, resulting in, for example, 6 equal monthly payments of $170.57 at 7.99% APR to $184.59 at 35.99% APR per $1,000 borrowed. Minimum purchase amount and down payment may be required. Estimation of monthly payment excludes potential tax and shipping costs. Monthly financing through Klarna issued by WebBank. Klarna Pay in 4: CA resident loans made or arranged pursuant to a California Financing Law license. NMLS #1353190. For more information, refer to the Klarna Terms and Conditions and our User Privacy Notice.
How does Pay in 4 work?
Pay in 4 allows you to split your purchase into four interest-free payments, paid every 2 weeks. At checkout, select Klarna and you will be redirected to Klarna’s site. If you’re approved, the first payment will be taken from your credit card, debit card or bank account when your order is shipped. The remaining three payments will be automatically charged every 2 weeks after your initial payment, with no interest or fees when you pay on time.
Your purchase and bi-weekly repayments will be managed in your Klarna account.
How does Klarna Financing work?
If you qualify, Klarna Financing allows you to take out a loan to pay for your purchase. Repayment terms range from 6 - 24 months, and interest rates range from 7.99% - 35.99%.
To use Klarna Financing, select Klarna as your payment method at checkout. You will be redirected to Klarna’s site where you will complete a simple loan application. It will only take a few seconds to know whether or not you are approved for financing, then you can complete your checkout with eBay.
Your purchase and monthly repayments will be added to your Klarna account and reflected on your monthly statement from Klarna.
Monthly financing through Klarna is issued by WebBank. Loans to California residents are made or arranged pursuant to a California Financing Law license.
If I make my purchase on a Klarna Financing plan, will I pay interest?
Yes. Interest rates for Klarna Financing range from 7.99% - 35.99%.
Are there any additional fees for using Klarna on eBay?
For both Pay in 4 and Klarna Financing, if you miss a payment or make a late payment you may be charged a late fee. If you are unable to make an on-time payment, reach out to Klarna for assistance.
How do I know exactly what I’ll pay each month?
At checkout, you will see your bi-weekly or monthly payment amount before completing your purchase. After your purchase is complete, you can log in to your Klarna account to view your payment schedule and due dates. Klarna will also send you payment reminders via email and the Klarna app.
Is there a credit check? Does using Klarna impact my credit score?
Klarna performs a soft credit check for Pay in 4 and for Klarna Financing, which won’t affect your credit score or be visible to lenders. Late or missed payments may impact your creditworthiness and limit future Klarna use.
No credit check is required to create an account with Klarna or download the Klarna app.
What happens if I cancel or return my order? How do I manage returns?
All returns and cancellations are managed directly through eBay. To start, go to your Purchases on eBay, select More actions, and choose Return this item. Once we confirm your return or cancellation with Klarna, any future scheduled payments will be canceled, and any eligible refunds will be processed.
What if I am late or miss a payment?
If you miss a payment or make a late payment you may be charged a late fee. If you are unable to make an on-time repayment, reach out to Klarna for assistance. Late or missed payments may be reported to the credit bureaus, which could impact your credit score.
Why is my Klarna Financing agreement with WebBank?
WebBank is the bank that finances your Klarna Financing loan. WebBank is an FDIC-insured bank headquartered in Salt Lake City, Utah. Klarna is the servicer of your loan.
Where can I learn more?
You can learn more about Pay in 4 and Klarna Financing here.