Klarna gives you more ways to pay for your Kohl's purchase. Depending on your eligibility, you can choose to pay in full today, split your purchase into four interest-free payments, or pay over time with monthly financing.
What is Klarna?
Klarna is a payment option that lets eligible customers choose how they'd like to pay for their purchase. At checkout you can choose to pay in full, split your purchase into four interest-free payments, or apply for monthly financing.
Is Klarna a secure payment method?
Klarna is designed to provide a safe and secure shopping experience. Klarna uses security measures to help protect your payment and personal information when you shop.
Klarna offers buyer protection to help you if you have a problem with a purchase, including Fraud Liability Protection. For more information visit the Buyer Protection Policy. If you notice a purchase you don’t recognize, you can report it to Klarna for assistance.
For additional information and tips for keeping your account secure, visit Klarna’s Security Tips for more information.
What Klarna payment options are available?
Pay in 4:
Enjoy the flexibility of splitting your purchase into four interest-free payments with Klarna. Eligible purchases must be between $10 and $10,000 USD.
Your first payment is charged to your credit or debit card when your order ships. The remaining three payments are automatically charged 14, 28, and 42 days later. There are no fees when you pay on time. Fees may apply if you miss a payment.
Want to pay off your purchase early? Log in to Klarna, go to your order, and select “Pay off early.”
For more information about missed payments, fees, and Klarna’s payment process, visit Klarna’s Pay in 4 FAQs.
Pay over time
Spread the cost of a larger purchase over monthly payments with Klarna financing. At checkout, eligible customers can apply and receive a decision from Klarna. Late fees and interest may apply as outlined in your credit agreement. A minimum purchase amount and down payment may be required.
Monthly financing through Klarna is issued by WebBank, member FDIC, in partnership with Klarna.
Pay in full today
Prefer to pay all at once? Klarna’s Pay in full option lets you pay the entire purchase amount immediately at checkout using your debit or credit card. There are no fees and no credit check required.
How it works
Shop on Kohls.com and choose Klarna as your payment method at checkout.
You’ll be directed to Klarna to select the available payment option that works best for you. Klarna will review your eligibility and authorize your payment. Once your payment is successfully authorized, you’ll be taken to the Kohl’s order confirmation page.
Use the Klarna app to view your payment schedule, manage payments, and track your order.
Frequently asked questions
For further help or troubleshooting Klarna, please contact Klarna customer service.
To be eligible to use Klarna at Kohl’s, you must:
- Be a resident of the United States or its territories
- Be at least 18 years old or of legal age in your state of residence
- Have a valid card or bank account
- Have full legal capacity to enter into a contract
- Accurately provide your true and correct personal details
- Be able to receive security verification codes via text message
- A valid Social Security Number (SSN) and a linked card or bank account may be required for certain Klarna products, such as Pay in 4.
Approval is determined by Klarna at the time of purchase and is based on Klarna’s eligibility review. Approval is not guaranteed for every transaction.
Can I modify or reschedule my payment plan?
In some cases, Klarna may allow you to reschedule a payment. To see your available options, visit the Klarna app or contact Klarna Customer Service. Options vary based on your payment plan and account status.
As a Kohl's Rewards member, can I earn rewards when I use Klarna?
Yes. Purchases made with Klarna by Kohl's Rewards members are eligible to earn rewards when you're signed in to your Kohl's Rewards account.
Can I earn Kohl’s Cash when I pay with Klarna?
Yes. You can still earn Kohl’s Cash on qualifying purchases when you choose Klarna as your payment method. Standard Kohl’s Cash earning terms and exclusions apply.
Can I use Kohl's Cash when I pay with Klarna?
Yes. Eligible Kohl's Cash can be redeemed when paying with Klarna.
Can I return an item purchased with Klarna?
Yes. Items purchased with Klarna follow Kohl's standard Return Policy. Once your return has been processed, Klarna will update your payment plan or issue a refund, depending on your payment option.
Are there any purchase exclusions?
No. Klarna can be used for eligible purchases made on Kohls.com, including gift card purchases.
What happens if I return part of my order?
If you return part of your order, Klarna will adjust your payment plan or issue a refund based on the amount returned.
Can I use Klarna in-stores?
No. Klarna is currently only available for eligible purchases made on Kohls.com.
Who should I contact if I need help?
For questions about your Klarna payment plan, payments, financing, or account, contact Klarna Customer Service.
For questions about your Kohl's order, including shipping, returns, or order status, contact Kohl's Customer Service.