Looking to spread out your payments without dealing with credit card interest? Klarna's buy now, pay later service might be just what you need.
25 Popular Stores That Accept Klarna in 2024: Complete Guide
As someone who's always searching for smart ways to manage expenses, I've compiled a comprehensive list of major retailers that accept Klarna in 2024. Before diving into specific stores, it's worth noting that Klarna is now accepted at thousands of retailers, with options to pay in 4 interest-free installments or up to 30 days after purchase.
If you're trying to save money while shopping, using Klarna strategically can help manage your cash flow - just remember to stick to your budget!
1. Nike
Nike accepts Klarna for all purchases over $35. You can buy athletic wear, shoes, and accessories using four interest-free payments. Their average order minimum is $35, making it perfect for essential workout gear purchases. Pro tip: Combine with Nike member discounts for extra savings.
2. Sephora
Sephora allows Klarna payments on orders over $30. This is particularly useful for stocking up on premium beauty products without paying the full amount upfront. Beauty Insider members can still earn points on Klarna purchases and combine with their frequent sales events.
3. H&M
H&M offers Klarna integration for purchases over $35. Their partnership includes both online and in-store purchases through the Klarna app. H&M members can still accumulate points while using Klarna, and student discounts apply.
4. Best Buy
Best Buy accepts Klarna for electronics and appliances over $50. This is especially useful for bigger purchases like laptops or TVs. You can combine Klarna with Best Buy's price match guarantee for the best deals.
5. Target
Target integrates Klarna for orders over $35, both online and in-store. RedCard benefits can be used alongside Klarna payments, making it great for household essentials and daily needs.
6. Macy's
Macy's accepts Klarna for purchases over $30. Works great during their frequent sales events and can be combined with Macy's Star Rewards program. Applies to all departments including home goods and clothing.
7. Ulta Beauty
Ulta accepts Klarna for orders over $25. Ultimate Rewards members can still earn points on Klarna purchases. Perfect for high-end beauty products and salon services.
8. GameStop
GameStop allows Klarna payments on purchases over $35. PowerUp Rewards Pro members can combine benefits with Klarna payments. Great for new game releases and gaming accessories.
9. Microsoft Store
Microsoft accepts Klarna for orders over $35. Excellent for spreading payments on Xbox consoles, games, and Surface devices. Student discounts can be applied alongside Klarna.
10. Foot Locker
Foot Locker integrates Klarna for purchases over $35. VIP members can earn points while using Klarna. Perfect for spreading payments on premium sneaker releases.
11. Wayfair
Wayfair accepts Klarna for furniture and home goods over $50. Particularly useful for larger home furnishing purchases. Free shipping on orders over $35 still applies with Klarna.
12. Adidas
Adidas offers Klarna for orders over $35. adiClub members can earn points while using Klarna. Student discounts and sale items are eligible for Klarna payments.
13. JCPenney
JCPenney accepts Klarna for purchases over $35. Works with their rewards program and can be combined with their frequent coupons and sales events.
14. Forever 21
Forever 21 integrates Klarna for orders over $35. Great for fashion-forward shoppers on a budget. Can be used with their regular promotions and student discounts.
15. ASOS
ASOS accepts Klarna with no minimum purchase requirement. ASOS Premier Delivery subscribers can combine benefits. Student discounts still apply with Klarna payments.
16. Lenovo
Lenovo allows Klarna for purchases over $50. Perfect for spreading payments on laptops and accessories. Student discounts and seasonal sales can be combined with Klarna.
17. Urban Outfitters
Urban Outfitters accepts Klarna for orders over $35. UO Rewards members can still earn points. Works great for both clothing and home decor purchases.
18. Bed Bath & Beyond
Bed Bath & Beyond integrates Klarna for purchases over $35. Welcome Rewards members can stack benefits. Their famous 20% off coupons can be used with Klarna.
19. Samsung
Samsung accepts Klarna for orders over $50. Great for spreading payments on phones, TVs, and appliances. Samsung Rewards points can be earned while using Klarna.
20. American Eagle
American Eagle offers Klarna for purchases over $35. Real Rewards members can earn points on Klarna purchases. Student discounts remain applicable.
21. Lululemon
Lululemon accepts Klarna for orders over $35. Perfect for high-end athletic wear purchases. Can be used for both regular and "We Made Too Much" sale items.
22. Dick's Sporting Goods
Dick's accepts Klarna for purchases over $35. ScoreCard members can earn points while using Klarna. Works great for equipment and apparel purchases.
23. Crate & Barrel
Crate & Barrel integrates Klarna for orders over $35. Ideal for home furnishings and kitchen essentials. Can be combined with registry completion discounts.
24. Nordstrom
Nordstrom accepts Klarna for purchases over $50. Nordy Club members can earn points while using Klarna. Perfect for designer fashion and beauty purchases.
25. Express
Express offers Klarna for orders over $35. Express Insider members can stack rewards with Klarna payments. Works for both regular and factory outlet purchases.
Shopping Tips When Using Klarna
Before you start shopping with Klarna, consider these money-saving strategies:
- Always check for additional store discounts and combine them with Klarna payments
- Set payment reminders to avoid late fees
- Consider signing up for store loyalty programs - most will still give you points even when using Klarna
- For bigger purchases, check if discount stores like Marshalls accept Klarna before paying full price at department stores
- Compare prices across different retailers - Klarna works with multiple stores selling the same items
Frequently Asked Questions About Stores That Accept Klarna
Does Klarna work in physical stores?
Yes, Klarna can be used in physical stores through their app's virtual card feature. Simply generate a one-time card in the Klarna app and add it to your digital wallet or use the card details at checkout.
What credit score do you need for Klarna?
Klarna doesn't have a minimum credit score requirement, but they do perform a soft credit check for their pay in 4 service. For financing options, they may require a credit score of 640 or higher.
Can Klarna be used on Amazon?
While Amazon doesn't directly integrate with Klarna, you can use Klarna's virtual card feature to make Amazon purchases. Generate a one-time card in the Klarna app and use it at Amazon's checkout.
Is there a limit to how much you can spend with Klarna?
Klarna spending limits vary by individual and are based on factors like payment history and shopping behavior. New users typically start with lower limits that increase over time with positive payment history. Most users can expect initial limits between $500-$1000.
Alternative Payment Methods
While Klarna offers convenient payment options, it's worth exploring other ways to manage your shopping expenses. Consider checking out our guide on best cashback apps to maximize your savings on every purchase.
