To be eligible to use Klarna, you must: - Be a resident of the United States or its territories - Be at least 18 - Have a valid card/bank account - Have a positive credit history - Be able to receive verification codes via text

Pay in 4 allows you to split your purchase into 4 interest-free payments, paid every 2 weeks. Just choose Klarna at checkout at partner stores. The first payment will be taken from your credit card, debit card or bank account when your order is shipped. The remaining three payments will be automatically charged every 2 weeks afterwards, with no interest or fees if you pay on time.