Apple Pay Now Lets You 'Pay Later' With Klarna in Three More Countries - MacRumors
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Apple Pay Now Lets You 'Pay Later' With Klarna in Three More Countries

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Klarna is now available as a buy-now, pay-later option when using Apple Pay in Denmark, Spain, and Sweden, with France to follow in the coming weeks. This financing option lets you pay for your Apple Pay purchase in monthly installments.

ios 26 iphone 16 pro checkout sheet other cards and pay later options feature
Klarna was already available via Apple Pay in the United States, Canada, and the United Kingdom.

Apple discontinued its own buy-now, pay-later service called Apple Pay Later last year, and instead started partnering with third-party providers, including Klarna, Affirm, and Synchrony. Availability of these providers varies by country.

When checking out with Apple Pay online and in apps, iPhone and iPad users can select "Other Cards & Pay Later Options" to access installment payment plans from Klarna and other financing partners, where available. Starting with iOS 26, the buy-now, pay-later options are also available for in-store Apple Pay purchases.

Related Roundup: Apple Pay
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Top Rated Comments

KENESS Avatar
KENESS
9 months ago

Wasn't Klarna in danger of going under because too many people who opted to "pay later"--surprise, surprise--weren't making payments? 🤔
According to TikTok news, yes. According to reality, nope.
Score: 7 Votes (Like | Disagree)
T
tuckerjj
9 months ago
🤮 Klarna gives me the ick
Score: 5 Votes (Like | Disagree)
I
incoherent_1
9 months ago
Highly recommend a fantastic NYTimes deep dive into these "pay over time" apps like Klarna (not sure if I can post external links?). I never knew what they were and mostly ignored those icons.

TLDR: They are yet another gateway drug to crushing debt.
Score: 2 Votes (Like | Disagree)
D
DrRadon
9 months ago
Klarna is one of those not a bank banks that is a weird fin tech start up. If they mess up it’s your fault and support will be terrible. Work with real banks, especially if it’s about substantial amounts of money.
Score: 2 Votes (Like | Disagree)
B
bigchrisfgb
9 months ago

And? Doesn’t make it a bad idea for such financing options to exist simply because some people are irresponsible and the risk of servicing them became inconvenient for some time for Klarna.
Klarna want people to default on payments. They make no money if you pay it off in 3 months, but their APR rates are usually considerably higher than competing credit cards or direct finance plans with the retailer. This is where they make their money.
Score: 2 Votes (Like | Disagree)
V
VisceralRealist
9 months ago

And? Doesn’t make it a bad idea for such financing options to exist simply because some people are irresponsible and the risk of servicing them became inconvenient for some time for Klarna.
I use Klarna myself 😅 I’m not bashing it or bashing people who use it. I just get concerned about the amount of debt the average person has in this country, and this was something I recalled reading. If it was incorrect, it was incorrect. I certainly didn’t encounter it on TikTok, I don’t use TikTok 🤷‍♂️
Score: 2 Votes (Like | Disagree)
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