15 Popular Stores That Accept Klarna in 2026

Buy now, pay later has gone mainstream — Klarna now partners with over 500,000 retailers worldwide, giving shoppers flexible payment options at checkout without a credit card. Per Payments Dive, Klarna's retail partnerships have grown aggressively, spanning fashion, electronics, home goods, and more. Whether you're splitting a wardrobe refresh into four easy payments or financing a big furniture purchase, knowing which stores accept Klarna saves you time. You can also browse budget-friendly online shops to stack savings even further. Here are 15 major stores where Klarna is accepted right now — let's get started!

Jump to

• Quick Answer
• Summary Table
• Full Listing

Summary Table

15 Popular Stores That Accept Klarna in 2026

Below you'll find detailed information about each option, including what makes them unique and their key benefits.

1. ASOS

ASOS is one of the most popular online fashion retailers that accepts Klarna at checkout, letting shoppers split purchases into four interest-free installments. This makes it easy to buy clothing, shoes, and accessories without paying the full amount upfront. ASOS carries thousands of brands and its own label, with items ranging from $10 basics to $200+ designer pieces.

Key perks:

• Pay in 4 installments with no interest via Klarna
• Free shipping on orders over $35
• Covers 850+ brands across fashion, beauty, and accessories

2. H&M

H&M accepts Klarna as a buy now, pay later option both online and through its app, making affordable fashion even more accessible. Shoppers can spread costs on everything from everyday basics to seasonal collections priced between $5 and $100. According to Finder's Klarna store list, H&M is among the most widely used retail partners.

What you get:

• Klarna Pay Later and Pay in 4 both available
• Frequent sales and member discounts stackable with installment payments

3. Macy's

Macy's integrates Klarna at checkout, giving department store shoppers a flexible way to pay for clothing, home goods, beauty, and more without a credit card. This partnership covers full-price and sale items alike, which is useful for larger purchases like furniture or appliances that can run several hundred dollars. Macy's regularly runs promotions that can be combined with Klarna's installment plans.

Notable perks:

• Klarna available on purchases across all major departments
• Split costs on big-ticket items like bedding sets or cookware
• Works alongside Macy's Star Rewards loyalty program

4. Nike

Nike accepts Klarna at checkout, making it easier to split the cost of premium sneakers, athletic apparel, and gear into manageable payments. If you've been eyeing a pair of Air Jordans or running shoes but don't want to pay the full price upfront, Klarna's pay-in-4 option at Nike.com lets you spread the cost interest-free over six weeks.

Notable perks:

• Pay-in-4 splits purchases into 4 equal payments, due every two weeks
• No interest charged when payments are made on time
• Available on Nike.com and the Nike app

5. Sephora

Sephora partners with Klarna so beauty shoppers can buy now and pay later on skincare, makeup, and fragrance without waiting until payday. This is especially useful for higher-ticket items like serums, perfumes, or multi-piece gift sets that can easily run $100–$300+. Klarna's installment option is available directly at Sephora.com checkout.

What you get:

• Pay-in-4 installments with zero interest if paid on time
• Works on full-priced and sale items
• Available for Beauty Insider members and non-members alike

6. Wayfair

Wayfair is one of the most practical cheap furniture retailers that accepts Klarna, letting you finance sofas, bed frames, and home décor across manageable installments. Given that furniture purchases frequently range from $300 to $2,000+, spreading payments over time makes large home upgrades far more accessible without relying on a credit card.

Key features:

• Klarna financing available on orders of varying sizes
• Longer-term monthly payment plans offered for big-ticket furniture
• According to Klarna's store directory, Wayfair is a confirmed retail partner

7. IKEA

IKEA accepts Klarna at checkout, making it one of the most practical retailers for buy now, pay later on big-ticket furniture and home goods. Shoppers can split the cost of sofas, beds, wardrobes, and kitchen units into manageable installments rather than paying hundreds upfront. This is especially useful given IKEA's average cart size when furnishing a room.

What to know:

• Pay in 4 interest-free installments available on most orders
• Works both online at IKEA.com and in-store via the Klarna app
• Useful for larger purchases like the HEMNES bed frame (~$299) or KIVIK sofa (~$549)

8. Crate & Barrel

Crate & Barrel is among the premium home furnishing retailers that partner with Klarna, letting customers spread payments on designer furniture, cookware, and décor. Given that a single dining table can run $800–$2,000+, Klarna's installment options make the brand more accessible without requiring store credit. The integration works directly at checkout on crateandbarrel.com.

Key perks:

• Pay in 4 splits cost across 6 weeks interest-free
• Klarna financing also available for larger purchases over $300

9. Walmart

Walmart integrated Klarna as a buy now, pay later option on Walmart.com, giving budget-conscious shoppers a way to split everyday purchases — from electronics to appliances — into installments. According to Payments Dive, Walmart's Klarna partnership reflects growing BNPL demand across mass-market retail. The option appears at online checkout for eligible orders.

Notable details:

• Pay in 4 available on qualifying purchases (typically $35+)
• Covers categories including electronics, furniture, and home essentials
• No hard credit check for the Pay in 4 option

10. Apple

Apple is one of the most prominent stores that accept Klarna, letting shoppers split the cost of iPhones, MacBooks, AirPods, and other Apple products into manageable installments. This is especially useful given Apple's premium price points, where even accessories can run $100–$300+. Klarna's pay-in-4 option makes high-ticket tech more accessible without requiring a credit card.

What to know:

• Works on Apple.com and through the Apple Store app
• Covers full product range: iPhones ($799+), Macs ($999+), iPads, accessories
• No interest on pay-in-4 installments

11. Best Buy

Best Buy accepts Klarna across its full electronics inventory, making it a go-to retailer for buy now, pay later on TVs, laptops, gaming consoles, and home appliances. With products regularly priced between $200–$2,000+, splitting payments over four installments significantly lowers the upfront barrier. Klarna is available both online at BestBuy.com and through the mobile app.

What to know:

• Eligible on most electronics, appliances, and accessories
• Pay-in-4 splits cost into equal biweekly payments
• Longer-term financing options may also be available for big-ticket items

12. Amazon

Amazon's relationship with Klarna allows shoppers to use the Klarna virtual card at checkout, effectively making millions of Amazon listings eligible for installment payments. Rather than a direct native integration, you generate a one-time Klarna card through the Klarna app and use it like a standard debit or credit card on Amazon.com. According to Finder's Klarna store list, this workaround works reliably for most purchases.

What to know:

• Use Klarna's virtual card feature to shop any Amazon category
• Pay-in-4 available with no interest on approved purchases
• Works for everyday items, electronics, and higher-ticket orders alike

13. eBay

eBay accepts Klarna at checkout, making it one of the largest marketplaces where you can split purchases across millions of new and used listings. This is especially useful for higher-ticket items like electronics, collectibles, and refurbished appliances where spreading payments makes big buys more manageable.

What to know:

• Klarna available on eligible listings — availability may vary by seller
• Pay in 4 interest-free installments or use Klarna's monthly financing
• Covers categories including tech, fashion, home goods, and more

14. Target

Target is one of the most popular brick-and-mortar and online retailers that accepts Klarna, letting shoppers finance everyday essentials, clothing, home décor, and electronics without paying the full amount upfront. You can use Klarna through Target's website or app at checkout — simply select it as your payment method.

Key perks:

• Works alongside Target Circle rewards for extra savings
• Pay in 4 installments with no interest on qualifying orders

15. Zara

Zara supports Klarna on its U.S. online store, letting fashion shoppers break up the cost of new-season pieces and trend-driven collections into installments. Given Zara's price points — typically $30–$150 per item — Klarna's buy now, pay later option makes refreshing your wardrobe easier on your budget. You can also use price tracking tools alongside Klarna to catch sale drops before committing.

• Available on Zara.com at checkout under payment options
• Pay in 4 interest-free payments for eligible orders

Final Words

These 15 stores make it easy to shop now and pay later without stretching your budget all at once. Whether you need fashion, electronics, or home goods, start with your favorite retailer above — or explore online outlet stores to stack even more savings.