Category: Payments & Klarna | Last Updated: April 2026 | Estimated read time: 4 min
Klarna offers flexible ways to pay for your new device—whether you prefer to pay later or split the cost over time.
The exact Klarna options available at checkout depend on your country, order value, and Klarna’s internal assessment.
Typical Klarna Options
Available options may vary slightly by market, but commonly include:
Pay Now
Pay the full amount immediately using Klarna’s secure payment systemPay in 30 Days
Receive your device first and pay later
(No interest if paid on time)Pay in Instalments
Split your purchase into multiple fixed payments
(May be interest-free or low-interest depending on the offer and country)
How to Pay with Klarna at Checkout
Choose your device and proceed to checkout
Select Klarna as your payment method
Choose your preferred option (Pay Later, Instalments, etc.)
Complete Klarna’s verification steps
Once approved, your order is confirmed and we’ll ship your device
After purchase, you can manage your payments, due dates, and reminders directly in the Klarna app or on their website.
Eligibility & Approval
Klarna performs a quick automated eligibility check during checkout
Approval is not guaranteed and depends on Klarna’s criteria
Factors may include your payment history, order value, and account details
If declined, you can still complete your purchase using another payment method
Availability by Country
Germany: Klarna Pay Later and instalment options are commonly available
Netherlands & Belgium: Available options may vary
If Klarna is not shown at checkout, it may be due to:
Your location
Basket value
Klarna’s current availability or policies
Important Things to Know
You’ll receive payment reminders directly from Klarna
Late or missed payments may result in fees or affect your credit profile (depending on your country)
Handyswap does not control Klarna’s approval decisions or payment terms
For billing questions, you’ll need to contact Klarna directly
Note: All of this can be done via the Klarna app or your Klarna account online.