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Apple Pay Now Lets You 'Pay Later' With Klarna in Two More Countries

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Klarna is now available as a buy-now, pay-later option when using Apple Pay in France and Italy. This financing option lets you pay for your Apple Pay purchase in monthly installments, with the shortest payment plans being interest free.

ios 26 iphone 16 pro checkout sheet other cards and pay later options feature
Eligible customers can split purchases into three monthly installments, or choose to pay up to 30 days later, without paying any interest. For higher-value purchases with longer payment plans, Klarna says it offers competitive interest rates.

Klarna was already available via Apple Pay in the United States, Canada, the United Kingdom, Denmark, Spain, and Sweden, so there are now eight countries supported.

Apple discontinued its own buy-now, pay-later service called Apple Pay Later last year, and instead started partnering with third-party providers, including Klarna, Affirm, and Synchrony. Availability of these providers varies by country.

When checking out with Apple Pay online and in apps, iPhone and iPad users can select "Other Cards & Pay Later Options" to access installment payment plans from Klarna and other financing partners, where available. Starting with iOS 26, the buy-now, pay-later options are also available for in-store Apple Pay purchases.

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Top Rated Comments

Neko1500 Avatar
Neko1500
16 weeks ago
These services are both predatory and unregulated. Apple should be ashamed to be associated.
Score: 12 Votes (Like | Disagree)
theinstructor Avatar
theinstructor
16 weeks ago
This service is only in business to ensure that poor people continue to rely on poor decisions thus continuing the cycle. Klarna is a 99% INTEREST company. 99%. This is criminal.

Klarna says “We offer competitive interest rates”. Like 99%.
Score: 6 Votes (Like | Disagree)
ghostface147 Avatar
ghostface147
16 weeks ago
Funny story. I was listening to the local radio morning show recently and there is this one segment called closure. The guy was wondering why this girl he went on a date on ghosted her. Turns out, he paid for dinner with Klarna and that turned her off. If he wasn’t financially stable enough to pay in full, she wasn’t interested.
Score: 5 Votes (Like | Disagree)
AppleTO Avatar
AppleTO
16 weeks ago
I've never tried these kinds of services as it seems like a bad idea. Also, I don't want my credit score to take a hit every time I do.
Score: 5 Votes (Like | Disagree)
gsmornot Avatar
gsmornot
16 weeks ago

I'm a tad confused. With the Apple Card, you can still set-up payments for a year can't you? I did in in June on a Mac Studio.
This is not financing Apple products, this is going to Taco Bell and making 4 payments on a combo meal.
Score: 4 Votes (Like | Disagree)
GfPQqmcRKUvP Avatar
GfPQqmcRKUvP
16 weeks ago

Yes, but it needs 2 things. One is fiscal awareness so that you do it right with durable goods, this is something most people do not have as they use it for their latest bit of doordash cooking laziness.

The other is to be aware of weekly fees. Something is not interest free if there are ANY fees at all.

Most people can't understand this form of payment, or it's deeper implications (like how it does affect your credit score) and get into deep water, very fast.
There are plenty who understand it and use it as an interest free loan.
Score: 2 Votes (Like | Disagree)
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