KLARNA RATENKAUF - Convenient payment in installments

Shop today and split the cost into fixed or flexible installments up to 24 months.

No prior registration is required for Klarna installment purchase. You can choose this payment method directly at the checkout.

● The number of installments available to you for your purchase, as well as costs and terms, will be displayed at checkout.

Our tip: Download the Klarna app. This way you always keep full control and overview of your payments.

When will I receive my monthly invoice for purchases on installments?

We always send your monthly invoice around the 15th of the month. If you made a purchase on installments in the current month, we will add the corresponding amount to the next monthly invoice. For example, if you order at the beginning of August, the amount will appear on the monthly invoice we send you in mid-September. You can decide how you would like to receive your monthly invoice. When you log in here, you can choose to receive it by mail or by email.

Why did I receive a notice/contract for an installment purchase?

A notice or contract for flexible installment purchase with Klarna will be sent if flexible installment purchase was selected when shopping online. If you want to pay amounts from 200 € by installment purchase, we will send you an installment purchase contract by mail. Please sign it and send it back to us so that we can offer you the installment purchase.

Can I also pay the open installment purchase amount in full?

Yes, you can repay the outstanding amount in full at any time. Once payment is received in full, no further interest will accrue. You will no longer be charged a monthly installment fee. If you want to buy in installments again in the future, we will simply activate your existing installment contract.

How much is my monthly installment payment?

You always pay as much as you want, but at least the minimum due amount indicated on the monthly statement.
In the line "Total outstanding amount" on your current monthly invoice you can see how much is outstanding to pay your installment purchase in full. Your monthly invoices are available to you at any time in the Klarna app or here.

The total amount on my monthly bill is higher than expected. What is the reason for this?

This can have various reasons:

• You have recently made new purchases where you selected installment purchase as a payment method. These have then been added to your existing installment purchase.
• You have made purchases with the payment method "Pay in month X" that are due next month. The invoice amount of these purchases will be added to the open total amount of your other purchases in the installment purchase. Of course, no interest will be charged on the "Pay in month X" purchases. If you want to add these purchases to your flexible installment plan, you can simply pay the lower minimum amount listed on the right side of your monthly invoice.

 Why was I charged late fees?

Late fees apply if we have not received your payment by the payment due date. This is indicated on the monthly invoice. Late fees will also apply if you have paid less than the minimum amount indicated or if your transfer could not be assigned. Therefore, please only specify the reason for payment on the monthly invoice when making the transfer.

How does the flexible installment purchase with Klarna work?

If you have chosen the flexible installment purchase with Klarna, you can pay your bill at your own pace. All orders for which you choose the flexible installment purchase are collected on a clear monthly invoice. This is always sent in the middle of the month. If this is your first time using the installment plan, we will send you the first monthly invoice in the following month. In most cases it is possible to pay your invoice in installments, if the merchant you ordered from offers the flexible installment plan with Klarna. It's easy to start paying in installments: Log in to our app or here and select the installment payment option for the order you want to pay in installments. From then on, you'll receive your monthly bill regularly and decide how much you want to pay (but at least the amount listed as the minimum on your monthly bill). You can also repay the outstanding amount in full at any time. You can find the complete terms and conditions for the flexible installment purchase with Klarna here.

Can I also receive my monthly invoice by e-mail?

Of course, we can send you the monthly invoice for the installment purchase by e-mail instead of by mail. Log in here and confirm this choice - also for the sake of the environment.

What happens if I don't pay my installments on time?

If we do not receive your payment by the payment deadline stated on the monthly invoice, we will be in default. This results in costs for us, which have to be paid by you. If we do not receive any or too little payments for several months, your installment purchase can be terminated and the claim can be handed over to a collection agency.

What happens if I pay the minimum amount due?

If you pay the minimum amount due on your monthly invoice, the invoices included in it that you have contracted at fixed rates will automatically be converted into a flexible installment purchase. 

How does the installment purchase at fixed terms work?

If you make an installment purchase for a fixed term (3,6 or 12 months), the total amount of your invoice will be spread evenly over this term. The invoice will be added to your flexible installment purchase and you will receive only one monthly invoice for all completed installment purchases. The interest rate for the fixed installment purchase is 9.99% per annum.

Can I convert my invoice into an installment purchase?

For some invoices, it is possible to convert the invoice into an installment purchase in the Klarna app or on klarna.de. Follow these simple four steps:

1. Log in here or in our app.
2. Select which invoice you want to convert.
3. Click on "Payment options" and then on "Partial payment".
4. Choose the number of months you want to pay.