Pay it later with Klarna- 4 interest free installment plan


BikeBerry and Klarna have teamed up to offer 4 interest-free installment options or low APR financing.

Pay in 4 Installments

Klarna offers 4 interest-free installments on your credit or debit card for orders of $35 - $3500.*


Need longer terms? No problem! Klarna offers monthly financing starting at 0% APR** on $499 - $10,000 orders.** A $1000 purchase might cost $172.79 per month over 6 months at 12.49% APR.*

Simple Checkout

Checkout is easy, just select Klarna and get going.

Safe & Secure

Klarna uses modern safeguards and security to protect your information.

You're In Control

Pick a highly flexible financing option that works for you and your budget.

Instant Decision

When your loan is complete, we can process your order immediately.

Step 1: Select Klarna at Checkout

Select "Buy now, pay later with Klarna" as payment method and click "Complete Order".

Step 1- Select the Buy now, Pay Later Klarna Option Screenshot

Step 2: Plan Details

Review eligible plan details and select the best option for you. Plan options include 4 interest-free installments or longer term financing.

Klarna Screenshot- Pick the right plan for you

Step 3: Application

Complete date of birth, last 4 of SSN, mobile (pre-billed) and click "Continue". This will not impact your credit score.

Complete your Klarna Credit Application.

Step 4: Review Terms

Review the terms of the agreement and check the box to agree. Click "Agree and submit application"

Klarna- Review terms and apply

Step 5: Instant Decision

Receive an instant decision and be redirected to order confirmation page if approved

Your application is approved!

*CA residents: Loans made or arranged pursuant to a California Finance Lenders Law License.

**Rate ranges from 0%-24.99% APR based on creditworthiness and subject to credit approval, resulting in, for example, a $1000 purchase might cost as low as $172.79 per month over 6 months at 12.49% APR. Minimum purchase of $35 required. 0% APR financing only available to qualified customers with excellent credit history. A down payment may be required. Estimation of monthly payment excludes potential tax and shipping costs. Monthly financing throughKlarnaissued by WebBank, member FDIC.

Frequently Asked Questions

Don’t see your question here? Check out Klarna’s full FAQ page.

What is Klarna?

Klarna is a global payment solutions provider that works with retailers to provide customers the smoothest online shopping experience. Klarna is in over 205,000 online stores and has more than 85 million users globally. Learn more.

How do I pay in 4 interest-free installments?

Select 4 interest-free installments to split your purchase into four payments, charged every two weeks beginning at the time your order is confirmed (usually the shipping date). No bills are sent - you can simply sit back, relax, and enjoy your purchase. View complete terms.

How do automatic payments work?

Payments are collected every other week from the debit or credit card you provide at the time of purchase. All scheduled payments are communicated to you by email and you can review your purchases by logging in at

Is there a fee to use 4 interest-free installments?

There are no upfront fees when you follow the payment schedule. If you fail to make a payment on time late fees may apply. Please review the product terms for applicable fees.

Will this affect my credit score?

When you choose 4 interest-free installments, Klarna may perform a soft credit check. This type of check will not impact your credit score or show up as a hard inquiry on your credit report.

How can I reach Klarna?

You can reach Klarna anytime at or by downloading the Klarna App for 24/7 chat.

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