Klarna now partners with over 500,000 merchants worldwide, making buy now, pay later a mainstream checkout option across fashion, electronics, beauty, and home goods. Whether you're splitting a big-ticket electronics purchase or spreading out a clothing haul, knowing which retailers accept Klarna upfront saves time at checkout. Per Finder, the store list spans nearly every major retail category in the U.S. If you're hunting for budget-friendly clothing options or want to use apps to track prices alongside Klarna, this guide covers the 15 top stores to get you started. Let's get into it!
Quick Answer
Klarna is accepted at over 500,000 merchants worldwide, including major retailers across fashion, electronics, beauty, and home goods. Top U.S. stores that accept Klarna include H&M, ASOS, Sephora, Best Buy, and Nike. You can split purchases into installments at checkout, both online and in-store at participating retailers.
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Summary Table
| Item Name | Price Range | Best For | Website |
|---|---|---|---|
| Macy's | $10–$1,000 | Department store shoppers splitting fashion & home purchases | Visit Site |
| Best Buy | $50–$2,000+ | Electronics buyers financing big-ticket tech | Visit Site |
| Nike | $30–$250 | Sneaker & sportswear shoppers spreading costs | Visit Site |
| H&M | $35–$200 | Affordable fashion fans with $35+ orders | Visit Site |
| ASOS | $20–$300 | Trend-driven shoppers buying multiple items | Visit Site |
| Sephora | $25–$500 | Beauty enthusiasts financing skincare & makeup hauls | Visit Site |
| Wayfair | $50–$3,000+ | Home décor buyers splitting large furniture orders | Visit Site |
| IKEA | $30–$2,000+ | Furniture shoppers managing large room purchases | Visit Site |
| Walmart | $10–$1,000+ | Everyday shoppers splitting general merchandise | Visit Site |
| Apple | $199–$3,000+ | Tech buyers financing iPhones, Macs & accessories | Visit Site |
| Target | $10–$500 | Versatile shoppers splitting everyday & seasonal purchases | Visit Site |
| SHEIN | $5–$80 | Ultra-budget fashion shoppers building large hauls | Visit Site |
| Ulta Beauty | $20–$400 | Prestige & mass beauty buyers spreading purchase costs | Visit Site |
| American Eagle | $20–$150 | Casual denim & apparel shoppers on a budget | Visit Site |
| Nordstrom | $50–$2,000+ | Premium fashion buyers financing designer purchases | Visit Site |
15 Popular Stores That Accept Klarna in 2026
Below you'll find detailed information about each option, including what makes them unique and their key benefits.
1. Macy's
Macy's is one of the most popular department stores that accept Klarna, letting shoppers split purchases into installments both online and in-store. From clothing and beauty to home goods and furniture, you can use Klarna's Pay in 4 option at checkout on Macys.com or through the Klarna app when shopping in person.
Shopping perks:
- Klarna available on orders across most product categories
- Works with Macy's Star Rewards loyalty program
- No interest on Pay in 4 installments when paid on time
2. Best Buy
Best Buy accepts Klarna for electronics, appliances, and tech accessories — making it easier to afford big-ticket items like laptops, TVs, and smartphones without paying the full price upfront. The buy now, pay later option is available at BestBuy.com checkout, spreading the cost into four equal biweekly payments.
Notable perks:
- Ideal for high-cost purchases ($200–$2,000+)
- Klarna financing works alongside Best Buy's own credit options
- Instant approval decision at checkout
3. Nike
Nike.com supports Klarna installment payments on footwear, apparel, and gear, so you can grab the latest sneaker drops or training equipment without paying all at once. Select Klarna at checkout on Nike's website and split your total into four interest-free payments due every two weeks.
Key details:
- Available on Nike.com for most full-price and sale items
- Works with Nike Member discounts before applying Klarna
- Soft credit check only — won't impact your credit score
4. H&M
H&M is one of the most popular fashion retailers that accepts Klarna, letting shoppers split purchases into four interest-free payments at checkout. This makes it easy to refresh your wardrobe with trendy pieces without paying the full amount upfront. H&M's Klarna integration works both online and through the H&M app.
Notable perks:
- Pay in 4 installments with zero interest on clothing, accessories, and homewares
- Works on full-price and sale items alike
- Available in-store via Klarna's virtual card feature
5. ASOS
ASOS partners with Klarna to offer buy now, pay later on its massive catalog of over 850 brands and its own fashion lines. Shoppers can spread the cost of orders across installments, which is particularly useful given ASOS's wide price range from budget basics to premium labels. Klarna is available at ASOS checkout with no hard credit check required.
Key features:
- Pay in 4 or pay in 30 days options available
- Works across thousands of styles including plus-size and activewear
- Free returns policy makes buy now, pay later lower risk
6. Sephora
Sephora accepts Klarna as a payment method online, making it one of the top beauty retailers where you can split the cost of skincare, makeup, and fragrance purchases. This is especially handy for higher-ticket items like skincare sets or luxury perfumes that can run $100 or more. Klarna's pay-later option is available at Sephora's online checkout in the US.
What you get:
- Split beauty purchases into 4 interest-free payments
- Applies to full-size products, gift sets, and sale items
- Compatible with Sephora's Beauty Insider rewards program
7. Wayfair
Wayfair accepts Klarna at checkout, making it one of the most practical retailers for spreading the cost of large furniture and home décor purchases. Instead of paying hundreds upfront for a sofa or bed frame, shoppers can split payments into four interest-free installments or use Klarna's financing options for bigger orders.
Good to know:
- Klarna available on orders of all sizes, including big-ticket items over $500
- Select Klarna at checkout on web or the Wayfair app
- Useful for furnishing a room without a large lump-sum payment
8. IKEA
IKEA partnered with Klarna to offer buy now, pay later on furniture, kitchen, and home accessories purchases both online and in select stores. This makes IKEA one of the few brick-and-mortar retailers where Klarna's in-store pay-later option is available, letting budget-conscious shoppers split costs on everything from mattresses to full kitchen setups.
Key details:
- Available online at IKEA.com and in participating physical locations
- Pay in 4 installments or use longer financing plans depending on order total
9. Walmart
Walmart.com accepts Klarna as a payment method, giving shoppers access to installment payments across one of the largest product catalogs in retail — electronics, groceries, clothing, and home goods included. Coverage spans thousands of third-party marketplace sellers on the Walmart platform as well, though availability can vary by seller.
Notable perks:
- Pay in 4 interest-free installments on eligible purchases
- Works across Walmart's own inventory and many marketplace listings
- Select Klarna during online checkout — not currently available in Walmart physical stores
10. Apple
Apple accepts Klarna at checkout on Apple.com and through the Apple Store app, letting you split purchases on iPhones, MacBooks, AirPods, and accessories into interest-free installments. This makes high-ticket Apple products significantly more accessible without applying for Apple Card or store credit. Klarna's Pay in 4 option works smoothly across Apple's full product catalog.
Worth knowing:
- Works on devices ranging from $99 AirPods to $3,000+ MacBook Pros
- Klarna available at checkout on Apple.com and in-store via app
- No hard credit check required for Pay in 4
11. Target
Target is one of the major retail chains that accepts Klarna, available both online at Target.com and through the Target app. Shoppers can split everyday purchases — from electronics and home goods to clothing and groceries — into four interest-free payments. It's a practical option for larger hauls where the total adds up quickly.
Key details:
- Klarna available at online checkout and via the Target app
- Covers most categories including electronics, furniture, and apparel
- Combine with Target Circle discounts for extra savings
12. SHEIN
SHEIN integrates Klarna directly into its checkout, making it one of the most popular fast-fashion Klarna-compatible retailers. Given SHEIN's already low prices, using buy now pay later here lets shoppers stock up on larger orders and spread the cost across four bi-weekly payments with zero interest. If you're exploring similar shopping alternatives, many also support Klarna at checkout.
Notable perks:
- Klarna Pay in 4 available on orders typically $35 and up
- Works alongside SHEIN's frequent coupon and flash sale offers
13. Ulta Beauty
Ulta Beauty accepts Klarna at checkout, making it one of the most popular beauty retailers where shoppers can split purchases into installments. This is especially useful for stocking up on skincare, haircare, or makeup from premium brands like Dyson, NARS, or Urban Decay without paying the full amount upfront.
What to know:
- Klarna available both online at ulta.com and through the Ulta app
- Pay in 4 interest-free installments on orders over $35
- Combine with Ultamate Rewards points for additional savings
14. American Eagle
American Eagle is among the clothing retailers that let customers use Klarna's buy now, pay later service at checkout. It's a solid option for shoppers who want to spread the cost of jeans, loungewear, or seasonal wardrobe updates across four interest-free payments.
Key details:
- Klarna available on americaneagle.com and the AE app
- Aerie intimates and activewear purchases also eligible
- Pay in 4 installments with no interest on qualifying orders
15. Nordstrom
Nordstrom offers Klarna as a payment option, giving shoppers a way to finance higher-ticket purchases across designer clothing, shoes, and accessories without immediate full payment. Given Nordstrom's premium price points — where a single item can easily run $150–$500+ — installment payments through Klarna make the checkout experience significantly more accessible.
Notable perks:
- Available at nordstrom.com and Nordstrom Rack online
- Klarna's Pay in 4 and longer financing options both supported
Final Words
Whether you need fashion, electronics, or home goods, these 15 stores make buy-now-pay-later shopping genuinely flexible. Ready to split your next purchase into manageable payments?