Klarna is now available at Kohl’s for U.S. customers shopping online or through the retailer’s mobile app, expanding access to buy now, pay later and other payment options ahead of the holiday season.
The companies announced the partnership on Oct. 29, 2026. Customers can choose to pay for a purchase in full, divide a mid-sized purchase into four interest-free installments or seek financing for a more expensive item. The announcement did not provide terms for the financing option, including its interest rates, fees or repayment periods.
Three payment choices at checkout
Klarna described the arrangement as a way for shoppers to select among different payment schedules. The pay-in-four option is identified as interest-free, while the financing option is intended for larger purchases. The company did not say whether every customer would qualify for each option or provide additional details about how eligibility is determined.
| Option | Description |
|---|---|
| Pay in full | Payment for the purchase at checkout |
| Pay in four | Four interest-free installments for mid-size purchases |
| Financing | Financing for larger-ticket items; terms were not disclosed |
“Customers should be able to shop the way that works best for them, whether that's paying in full, spreading a purchase over four interest-free payments, or financing a bigger-ticket item,” Lisa Robinson, Klarna’s head of partner success for the U.S. East Coast and Canada, said in the announcement.
BNPL plans can make a purchase appear smaller by dividing the amount into several scheduled payments. But the obligation remains tied to the full purchase, and multiple plans can create overlapping withdrawals from a customer’s bank account. The announcement did not describe how Klarna’s payment options compare with credit cards or other forms of borrowing in consumer protections, dispute rights or costs.
What the expansion means for shoppers
Kohl’s operates more than 1,100 stores in 49 states, in addition to its website and app, according to the company information included with the announcement. The new payment choices are available through the retailer’s online and app checkout, rather than being described as a change to all in-store transactions.
For consumers considering a BNPL plan, the key details are the total amount owed, the timing of each payment and any fees or interest attached to the specific offer. Klarna’s announcement identifies the pay-in-four option as interest-free but does not state that the financing option has the same terms. It also does not provide a general fee schedule or explain the consequences of a missed payment.
- Klarna is available at Kohl’s online and in the Kohl’s app.
- The pay-in-four plan is described as interest-free.
- Terms for financing larger purchases were not disclosed in the announcement.
