15 Popular Stores That Accept Klarna in 2026

Buy now, pay later has gone mainstream — Klarna recently surpassed 1 million merchant partners, meaning you can split purchases into interest-free installments at more stores than ever. Whether you're shopping for electronics, fashion, or beauty essentials, Klarna's "Pay in 4" option lets you spread costs without a credit check or interest fees. Pair it with money-saving shopping apps to stack savings even further. From big-box giants to affordable furniture retailers, the list of Klarna-accepting stores keeps growing. Here are 15 top stores where Klarna works right now — let's dive in!

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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. Amazon

Amazon is one of the largest stores that accept Klarna, allowing shoppers to split purchases into interest-free installments at checkout. With millions of products across every category, you can use Klarna's browser extension or virtual card to pay over time on eligible orders. This makes big-ticket purchases like electronics, appliances, and furniture far more manageable without a credit card.

Key details:

• Use Klarna's virtual card or browser extension at checkout
• Pay in 4 interest-free installments or spread over 6–24 months
• Works across millions of product categories

2. Walmart

Walmart partnered with Klarna to offer buy now, pay later options both online and in-store, making it one of the most accessible retail chains for installment payments. According to Payments Dive, Walmart's Klarna integration has been a key driver of BNPL adoption among everyday shoppers. Groceries, clothing, electronics, and home goods all qualify.

Key details:

• Available on Walmart.com and through the Walmart app
• Split purchases into 4 payments with no interest
• No minimum purchase threshold for most eligible items

3. eBay

eBay supports Klarna as a payment method, letting buyers use installment plans on both new and used items listed across the platform. This is especially useful for higher-priced secondhand electronics, collectibles, and designer goods where paying in full upfront isn't ideal. Klarna's virtual card works seamlessly during eBay's standard checkout flow.

Key details:

• Compatible with Klarna's virtual card at checkout
• Covers new, refurbished, and used listings
• Ideal for big-ticket secondhand purchases

4. Target

Target accepts Klarna at checkout, making it one of the most convenient major retailers for buy now, pay later shopping. You can split purchases into 4 interest-free payments when buying electronics, home goods, clothing, groceries, and more. Klarna works both on Target's website and through the app.

Shopping perks:

• Pay in 4 installments with no interest on most purchases
• Combine Klarna with Target Circle rewards for extra savings
• Eligible across most product categories including same-day delivery orders

5. Best Buy

Best Buy is one of the top electronics retailers that lets customers use Klarna to finance big-ticket purchases like TVs, laptops, appliances, and gaming consoles. Splitting a $1,000+ purchase into manageable installments makes Best Buy one of the most practical Klarna-compatible stores for tech shoppers.

Key details:

• Pay in 4 interest-free payments or choose longer financing terms
• Available online and in-store via Klarna's virtual card
• Useful for seasonal sales like Black Friday tech deals

6. Apple

Apple's online store accepts Klarna, allowing shoppers to spread the cost of iPhones, MacBooks, iPads, and accessories over time without using Apple's own financing. This is particularly useful for customers who don't qualify for Apple Card but still want installment-based payment on premium devices that routinely exceed $1,000.

What you get:

• Pay in 4 installments on eligible Apple products
• Works through Apple's online store; availability may vary in-store
• No hard credit check required for the Pay in 4 option

7. Google Store

The Google Store accepts Klarna as a buy now, pay later option, making it easier to spread the cost of premium devices across multiple payments. Whether you're buying a Pixel phone, Nest smart home device, or Pixel Watch, Klarna lets you split the purchase into four interest-free installments rather than paying the full amount upfront.

What to know:

• Works on Pixel phones, Pixel Buds, Nest devices, and accessories
• Four interest-free payments available at checkout
• Useful for high-ticket items like the Pixel 9 Pro ($999+)

8. Nike

Nike's online store integrates Klarna at checkout, giving shoppers a flexible way to pay for footwear, apparel, and athletic gear without paying the full price immediately. This is particularly useful for limited-edition sneakers or full athletic kits that can run well over $150. Select Klarna at checkout on Nike.com and choose your preferred payment plan.

What to know:

• Pay in four installments, interest-free
• Available on Nike.com and through the Nike app
• Applies to most footwear, clothing, and equipment purchases

9. Macy's

Macy's is one of the major department stores that accepts Klarna, allowing customers to split purchases across clothing, furniture, beauty, and home goods into manageable payments. Given Macy's wide price range — from $20 basics to $2,000+ furniture sets — having a BNPL option makes larger purchases significantly more accessible. Klarna can be selected directly on Macy's website at checkout.

What to know:

• Available across most product categories on Macys.com
• Four interest-free payments or longer financing plans depending on order size
• Combines with Macy's sales events for additional savings

10. H&M

H&M accepts Klarna at checkout, making it one of the most accessible fashion retailers for buy-now-pay-later shoppers. You can split purchases on clothing, accessories, and home goods into four interest-free installments, which is useful when stocking up on seasonal wardrobes. Most H&M items range from $10–$60, so even a larger haul stays manageable when spread across payments.

Notable perks:

• Klarna available both online and through the H&M app
• Frequent sales and member discounts stack with Klarna's pay-later option
• Free shipping on orders over $40

11. ASOS

ASOS integrates Klarna as a payment option, letting shoppers defer or split payments on fashion orders from thousands of brands in one place. This is particularly handy given ASOS's wide price range—from $15 basics to $200+ designer pieces—where flexible payment reduces upfront cost pressure. ASOS also offers free returns, so you can try items before committing financially.

Key features:

• Klarna's "Pay in 4" and "Pay Later" both available at checkout
• Ships to 200+ countries with regular promotional discounts
• Student discount (10%) combinable with Klarna payment splitting

12. Sephora

Sephora accepts Klarna online, allowing beauty shoppers to split cosmetics, skincare, and fragrance purchases into interest-free installments. Given that premium skincare routines and fragrance sets can easily run $100–$300+, Klarna makes high-end beauty products significantly more budget-friendly. The option appears at Sephora's online checkout, though availability may vary in physical stores depending on location.

What you get:

• Pay in 4 installments with zero interest on qualifying purchases
• Access to Sephora's full catalog including prestige brands like Charlotte Tilbury and La Mer
• Combines with Beauty Insider reward points on eligible orders

13. Ulta Beauty

Ulta Beauty accepts Klarna at checkout, making it easier to split the cost of skincare, haircare, and makeup purchases into four interest-free payments. This is especially useful when stocking up on higher-end brands like Dyson, Urban Decay, or Lancôme without paying the full amount upfront.

Shopping perks:

• Klarna available both online and through the Ulta app
• Works on full-price and sale items across all beauty categories
• Pairs well with Ulta's Ultamate Rewards loyalty points

14. Zara

Zara supports Klarna's buy now, pay later option on its U.S. online store, letting shoppers spread fast-fashion purchases across four payments. Given that Zara's seasonal collections can add up quickly, splitting a $150–$300 cart into smaller installments makes trend-driven shopping more budget-friendly.

What to know:

• Klarna available at online checkout on Zara.com
• No interest on pay-in-4 plans if payments are made on time
• Ideal for new-season wardrobe refreshes without a large upfront spend

15. Coach Outlet

Coach Outlet accepts Klarna, allowing shoppers to finance discounted designer handbags, wallets, and accessories through installment payments. Since Coach Outlet already prices items 30–70% below full retail, combining those savings with Klarna's pay-in-4 option — available at sites covering online outlet stores — makes luxury-adjacent purchases genuinely accessible.

Notable perks:

• Klarna available on CoachOutlet.com at checkout
• Split costs on bags typically priced $100–$400 into four payments

Final Words

These 15 Klarna-accepted stores make it easy to shop now and pay on your terms, from fashion to electronics. If you're also hunting for budget-friendly online shops, plenty of overlap exists — start there to stretch your spending power even further.