Shop now, Pay later with Klarna! 

E MART is excited to partner with ​Klarna​ to offer you smooth, flexible payment options at online checkout, so you can buy what you want, when you want. 

Easy ways to buy now and pay later:  

● Pay in 4 interest-free installments.​ Your total price is split into four equal payments automatically collected bi-weekly. Simply enter your preferred payment method and place your order. No interest or fees when you pay on time. Only smooth, easy payments. Just choose ​Klarna​ at checkout.   

● Monthly financing.​ Apply for instant financing through a simple online application. Minimal personal information is required to receive an instant decision and approved applicants receive an open line of credit to spread out their purchases over time. Just choose ​Klarna​ at checkout. Using Klarna is simple.   Select ​Klarna​ at checkout, enter basic customer information, and know instantly if your order has been accepted. You’ll receive a confirmation email from Klarna with payment  details, return instructions, and other helpful information. Safe and secure shopping. 

With Klarna, you are eligible for Zero Fraud Liability through ​Klarna’s Buyer Protection policy. Modern safeguards and security protect your information to prevent unauthorized purchases.

Managing payments. 

Download the ​Klarna App​ to view and manage your payments, report returns, and chat  with customer service 24/7. 

It’s smooth and simple

Select Klarna at checkout to buy now and pay later. Spread the cost of your purchase over time with convenient, stress-free payment options. It is easy, safe to use, and you’re always covered by Klarna’s Buyer Protection.    

How to checkout with Klarna   

1. Add your favorite items to the cart and select “Klarna” at checkout 

2. Enter basic information and know instantly if you’re approved 

3. Klarna will send you an email confirmation and payment reminders 

4. Complete all future Klarna purchases with just a single click    

You shop, you choose how to pay.  

4 interest-free installments

Split your purchase into 4 equal payments so you can spread the cost of your purchase over time. Enter the credit or debit card of your choice for automatic payments every two weeks. No interest or added fees when you pay on time!    

1st payment 

order confirmation 

2nd payment 

2 weeks later 

3rd payment 

4 weeks later 

Final payment 

6 weeks later  

Monthly Financing

Apply for easy monthly financing directly in the checkout. A simple, 2-step application will provide an instant approval decision. Once you’ve been approved, you’ll receive reminders and can manage your payments directly in the KlarnaApp. 

How do I pay in 4 interest-free installments? 

Select 4 interest-free installments to split your purchase into four equal 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 bi-weekly 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 https://app.klarna.com/login  

How does Pay later in 30 days work? 

When you checkout with Pay later in 30 days, you have the ability to try your items before you buy. Receive and review your order at home before ever making a payment. Once your order has been shipped, you’ll receive an email with instructions to pay. Need to make a return? Simply log in to the KlarnaApp.  

Is there a fee to use Pay later in 30 days or 4 interest-free installments? 

There are no fees when you follow the payment schedule. Please review product terms for applicable fees.  

What is Klarna monthly financing? 

Monthly financing is available when you choose to open an account with Klarna at the time of checkout. This affordable and highly flexible credit line is issued by WebBank in partnership with Klarna, and it allows you to pay for your purchases over time and can be used anywhere in the Klarna merchant network. View completeterms. 

How does financing with Klarna work? 

It’s simple! Shop at any online store that offers Klarna monthly financing, and choose a flexible payment plan to pay for your purchases over time. You will know if you are approved in seconds, before completing your purchase. If approved, you will receive an email confirmation from Klarna, and can manage your account through the KlarnaApp.  

Will this affect my credit score? 

When you Pay later in 30 days or 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. 

Monthly financing applications will take credit score and credit history into consideration when determining if the application is approved.    

How can I reach Klarna? 

You can reach Klarna anytime at https://www.klarna.com/us/customer-service/or by downloading the Klarna App for 24/7 chat. 

About Klarna 

Klarna is one of Europe's fastest growing companies and a leading alternative payment provider. Klarna’s vision is to make all payments ‘smoooth’, adding value for shoppers and retailers with unique payment options and superior customer experience. 

Klarna has 2,500 employees across 14 markets, and is leading the way for alternative payments by serving 70 million consumers and 170,000 merchants smoooth payment solutions. 

www.klarna.com/us/what-is-klarna/