Klarna
Pay in 3, pay in 30 days, or finance it. Global BNPL giant.
Repayments
Pay in 3 instalments, or pay in 30 days
Spending limit
Varies by purchase and history
Interest
None on Pay in 3 and Pay in 30
Late fee
Late fees may apply
Credit check
Soft check
Available
Online
Best for
International online shoppers and those who want the flexibility of a 30-day payment window.
👍 Pros
- 30-day payment option is unique
- Smooth app experience
- Works with many international retailers
- Pay in 3 is interest-free
👎 Cons
- Fewer NZ-specific merchant integrations
- Variable limits can be frustrating
- Less established in NZ than Afterpay or Laybuy
How to use Klarna in NZ
1
Download Klarna
Sign up at klarna.com or download the Klarna app. You need to be 18+ and have a valid debit or credit card.
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2
Shop at Klarna stores
Find NZ online stores that accept Klarna. You can also use the Klarna app to shop at stores that do not directly integrate Klarna.
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3
Select Klarna at checkout
Choose Klarna at checkout and pick your plan — Pay in 3 interest-free instalments or Pay in 30 days.
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4
Repay on your terms
Pay in 3: 3 monthly payments, first due today. Pay in 30: pay the full amount within 30 days — great for waiting for payday.
💰 Payment calculator
Enter a purchase amount to see your Klarna repayment schedule.
$
NZD
* Dates are estimates from today. Actual dates may vary based on payment day settings.
✅ Am I eligible for Klarna?
Answer a few quick questions to see if you qualify.
Are you 18 years or older?
Are you a New Zealand resident?
Do you have a valid NZ debit or credit card?
Is your purchase at least $10?
This is a general guide only. Klarna makes the final approval decision at checkout.
Find stores that accept Klarna
Browse all NZ merchants that accept Klarna payments.
Frequently asked questions about Klarna
Klarna has a spending limit of Varies by purchase and history in New Zealand. Your initial limit may be lower when you first sign up and will increase over time as you build a repayment history. Some purchases may also be subject to additional approval.
Klarna charges a late fee of Late fees may apply if you miss a scheduled repayment. To avoid late fees, make sure your payment method is up to date and has sufficient funds on your repayment dates. You can manage your payment schedule in the Klarna app.
Klarna performs a soft check when you sign up or make a purchase. This may appear on your credit file. Missed payments that are referred to a collections agency can negatively affect your credit score.
Interest charges with Klarna depend on the plan you choose. Interest: None on Pay in 3 and Pay in 30.
With Klarna, your purchase is split into Pay in 3 instalments, or pay in 30 days. Payments are automatically charged to your linked payment method on the scheduled dates, so you always know exactly what you owe and when.
Klarna is available online in New Zealand. Check the Klarna website for the latest information on in-store availability.
If you miss a Klarna repayment, a late fee will be charged (Late fees may apply). Your account may be paused, preventing new purchases until the overdue amount is paid. If the debt remains unpaid it may be referred to a collections agency, which could affect your credit score. Contact Klarna as soon as possible if you are having trouble making payments.