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KL
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
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
Find stores that accept Klarna
Browse all NZ merchants that accept Klarna payments.
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