Klarna allows you to pay for products in several ways depending on your needs. Buy Now, Pay Later. They offer two interest-free and fee-free Buy Now, Pay Later (BNPL) options: Pay in 3 This option allows you to spread the cost of your purchase into 3 equal interest-free and fee-free instalments. The first payment is made at point of purchase, with remaining instalments scheduled automatically every 30 days. Pay in 30 days With Pay in 30 days, you have up to 30 days to pay for your goods after they are shipped, with no interest or fees. This means you can return the items if they’re not what you expected or need, without any money leaving your bank account.